Travel insurance and volcanic ash

By , November 28, 2011 1:17 pm
Facebook Twitter Email

Under EU and UK regulations, your airline or tour operator has a legal obligation to reschedule or refund your flight/holiday and provide meals and accommodation if an overnight stay is necessary.

Travel insurance is not supposed to duplicate what the airlines or tour operators should offer automatically. Therefore if your flight or holiday is affected by volcanic ash, your first stop for information and compensation should be your airline or tour operator.

travel insurance volcanic ash

Check out our volcanic ash infographic for facts and figures about volcanic ash flight disruption and travel insurance

There are however some sections of your travel insurance policy that might be able to provide additional help.

Stranded abroad? Your travel insurance cover will be extended

If you unable to return to the UK when you planned due to volcanic ash, most travel insurance providers will extend your cover free of charge until you can return to the UK. This means that you will still have cover for emergency medical costs, personal possessions and money etc. until you are able to return home.

What about Natural Catastrophe Cover?

Natural Catastrophe Cover, which could also be known as Natural Disaster Cover or Airspace Closure Cover was introduced by travel insurance providers in response to the volcanic ash cloud crisis in April 2010.

It is designed to provide additional travel insurance cover to customers in the event of a natural disaster, such as a volcanic eruption, ash cloud, earthquakes, hurricanes and floods, causing disruption to your holiday.

It is generally an additional option to a travel insurance policy rather than being included as standard, because if you book package holiday, you should be well looked after by your tour operator so may not want to pay for extra cover that you don’t need.

Natural Catastrophe cover is a particularly good option to cover volcanic ash disruption if you have booked elements of your holiday independently. It can cover the costs of unused prepaid accommodation and other holiday services if your flight has been cancelled due to a natural catastrophe, such as volcanic ash, and you were unable to get to your destination.

It can also allow you to claim the cost of alternative travel arrangements if your flight is delayed or cancelled due to volcanic ash and no alternative is provided to you within a specific time period, sometimes just 24 hours.

This type of travel insurance cover is very new and the terms and conditions will vary with different insurance providers so you should check the policy wording carefully for details.

Facebook Twitter Email

Comments are closed

Panorama Theme by Themocracy