Fiji braced for cyclone: Travel insurance and natural disasters

By , April 2, 2012 3:46 pm
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The island of Fiji is braced for the arrival of cyclone Daphne after it was battered by flash floods over the weekend.

A state of emergency has been declared after the floods forced 8000 people to evacuate their homes, although Tourism Fiji said there were no reports of damage or injuries at any major hotels or resorts.

The government had suspended flights into Fiji on Saturday and Sunday, but normal schedules have now resumed.

Tourism Fiji said: “International visitors to Fiji must also be aware that while every effort is being made to minimize inconvenience that has resulted from the current inclement weather, services and transportation within Fiji are not as yet at their optimum levels.”

The Foreign and Commonwealth Office are not advising against travel to Fiji, but are urging British nationals who are in Fiji or due to travel to Fiji to monitor the latest weather bulletins on the Fiji Meteorological Service website, in local newspapers and on Radio 2 on 105 FM, and to follow the advice of local authorities.

Fiji Meteorological Service

Travel Insurance for floods and cyclones

Catastrophe Cover

If you are in a country that is affected by flood, cyclone, earthquake or other natural disaster whilst you are away you should have cover under the ‘Catastrophe’ or ‘Replacement Accommodation’ section of your policy.

This section of your travel insurance is designed to cover additional accommodation and/or travel expenses if you are forced to move from your pre-booked accommodation as a result of a catastrophe such as hurricane, flood, fire, earthquake or medical epidemic. It is designed to enable you to continue your holiday or if your trip cannot be continued, return to the UK early.

Find out more about travel insurance catastrophe cover.

Travel delay

If you are still in the UK and the cyclone or other adverse weather causes your flight to be delayed you should have travel insurance cover under the travel delay section of your travel insurance policy.

The travel delay section of your travel insurance policy should pay a benefit to cover additional expenses if your flight is delayed, or allow you to ‘abandon’ your holiday and make a claim for the cost.

Find out more about travel insurance travel delay cover

Natural catastrophe cover

The other section of a travel insurance policy which could help in this situation is Natural Catastrophe cover.

This is a relatively new area of cover for travel insurance and was introduced as an optional extra by some travel insurance providers in response the volcanic ash crisis in 2010.
It is intended to enhance your policy by providing cover for cancellation, delay and additional expenses incurred due to unexpected events such as volcanic ash clouds and other natural disasters; such as floods, earthquakes, tsunamis and hurricanes.

The FCO provides up to date travel advice by country

Wherever you plan to travel check the Foreign and Commonwealth Office website for the latest advice before you travel.

Travel advice from the FCO

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