When booking insurance cover for your holiday, it always seems unlikely that those small clauses about terrorism of volcanic ash will ever be applicable to your holiday. However, the latest eruptions of Mount Agung in Bali are a prime example of such rare phenomenon. Unfortunately, they have left many travelers bewildered by the fine print as they closely inspect their insurance and airline rules & regulations for the cancellation information.
The ash cloud thrown into the airspace above northern Europe in April 2010 by the Icelandic eruptions caused panic amongst the European air industries and insurance companies. As a result, very few now offer cover for a volcanic incident.
Will the airlines help?
The airlines are the only industry ready to offer full refunds or rescheduling at no extra cost in the event of cancellation due to such natural disasters.
Cathay Pacific, one of the biggest Asian airlines is currently advising passengers that, ‘flights still scheduled to operate may face disruption due to meteorological conditions on the day’, but that they will endeavor to update passengers with the latest status as soon as possible. However, this is little comfort to those who may be facing extra costs while their fleet is grounded.
Will your insurance cover any extra costs?
Ironically coverforyou.com and Flexicover are two the many insurance companies who do not provide standard cover for missed departure claims arising directly or indirectly from volcanic eruptions and/or volcanic ash cloud. However, there is one receive some level of compensation if such an unlikely natural disaster arises. Only available in advance of your travel, bespoke Volcanic Ash Cover is available from Columbus and Aviva. These optional extra policies are the only way of guaranteeing you will be eligible to make a claim arising from the disruption caused by volcanic eruptions and the ash thrown into the atmosphere as a result.