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Did you know lets you refund non-refundable flights?

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The price gap between refundable and non-refundable flights is normally huge, as we all know.  The risks of buying a non-refundable flight can be partly offset by travel insurance, but that doesn’t cover every possible reason for cancelling.

Sometimes you don’t need to travel anymore for reasons which insurance doesn’t cover.  Broken up with your partner?  Lost your job?  Got a new job?  Reward availability opened up?  Found a better flight deal via a Head for Points article?  Simply changed your mind about going?  Your travel insurance isn’t paying out. offers a little-known ‘no excuses needed’ insurance policy called Full Flex for non-refundable flights.  I’m sure you can see how this could be useful.

Oddly, Full Flex is very rarely discussed, even though has offered it for at least two years now.  I don’t know of anyone who has ever used it, yet alone claimed on it.

(EDIT: there is a comment below from a reader who did use this, and claimed on it. He received his refund voucher immediately once he had called to cancel.)

Take a look at the screenshot below (click to enlarge).

I have priced up a Virgin Atlantic business class ticket to New York for March.  The cost is £1,959. Full Flex

For an extra £80.88 per person, each way, I can turn my ticket into a ‘virtual’ refundable one:

As the site says:

  • Can’t travel anymore? You can cancel any time for any reason. No questions asked.
  • Hassle free: Just give us a call and we’ll send you a voucher worth 90% of the original ticket price
  • No Handling fees & priority assistance: we will not charge handling fees to cancel or modify your booking.
  • You’ll receive a voucher with a value of 90% of the ticket price to use within 12 months for your next reservation. Any cancellation request applies to the whole booking and not individual sections or legs booked.

You won’t get your refund in cash.  It will come – within 48 hours of requesting cancellation – in the form of a gift voucher, valid for 12 months against a flight booking.  This is hardly a massive restriction in my view, given what you are being offered.

In my example, the extra cost was 8.5% of the original ticket price.  This appears to be standard, looking at various examples.  Note that does NOT include the cost of Full Flex premium in calculating the 90%, which means:

  • You book a flight for £1,000
  • You pay (roughly) £1,085 including Full Flex insurance
  • You get £900 back if you choose to cancel, in the form of a flight voucher

Doing the maths including the premium, you are only getting back 83% of what you paid – although that still isn’t bad.

The option comes up during the payment process, once you have entered your name and address and after the page encouraging you to add car hire.  Note that the maximum claim is €5,000.  As this is an insurance policy you are allowed to change your mind within 14 days and get your premium back.

The rules appear straightforward and, if you want to lock in a good deal but are not 100% certain of making the dates, this could be a real option.

The only snag I can see with Full Flex is that war, natural disaster and the like are not covered – you cannot cancel if a problem breaks out at your destination. This could be a risk as the insurer would not pay even if the event was not your reason for cancelling.

For absolute clarity, Full Flex does NOT turn your ticket into a ‘real’ flexible one.  You cannot change the date or routing for free as you could with a ‘real’ fully flexible ticket.  Neither does it give you the additional airline miles or tier points that a ‘real’ fully flexible ticket offers.  The ONLY benefit you get (but it is a very good benefit) is the ability to cancel your flight without question at any point for a 90% refund.

Comments (80)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Ben says:

    OT. I have a flight booked to LHR – Dallas – LHR. Due to a change in connecting flights I want to change it to LHR – Dallas then JFK to LHR going home. I just called the Gold line and they said the cant change it as JFK is zone 5 but dallas is in Zone 6. I read the HfP article and it says thats not true but I just wanted to check with you guys before I call them again to try a different agent.
    If im not mistaken as Dallas to JFK is shorter than JFK to LHR there shouldnt be a problem.

    • mark2 says:

      I was unable to change a booking from Vancouver to Seattle for the same reason and they are only about 100 miles apart.

    • Anna says:

      Are you using avios/vouchers?

      • Ben says:

        Yes, Im using Avios and a 241 voucher.

        • Anna says:

          In that case I was under the impression that it’s the distance between the arrival and departure airports which counts, not the zones they are in.

        • Anna says:

          There are various articles about open jaw redemptions, including on HFP which might be helpful.

          • Genghis says:

            That’s not the point. Changes between zones not permitted unless a full cancel and rebook.

  • Russ says:

    What about hotels and car hire you buy with your flight? Same deal?

  • marcw says:

    New IHG PointBreaks is live. There’s no list available, but if you have bookings until 31st january, just check

  • marcw says:

    IHG PointBreaks list is OUT!

    • BJ says:

      Thanks, see you in Basildon!

      Surprised how good the list is for Austalia abd NZ condidering ut’s summer there. Decent fir Ssitzerlabd too with an option in both Zurich and Geneva.

  • Con Cunningham says:

    I just purchased this for a Dublin to Lisbon flight. When I read the email from full flex , it said “However, standard airline penalties (if any) may apply”. Does anyone know what the actual result would be if I had to cancel my flight? It was only €250 so I am guessing that the “Airline penalties” would be significant.

  • Avi says:

    TravelPerk has a similar offer for business travelers (

  • Jacob says:

    TripGuaranty only lets me insure flights to Israel…. 🙁

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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