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Travel insurance covering Volcanic Ash Clouds, Epidemics, Wildcat Strikes and more

Publication date: 29th August 2014

Subjects: volcanic, ash, cloud, ba, lava, strike, travel insurance, cancellation, delay

Volcanic Ash Travel Insurance

29th August 2014 - Volcano threat to Aviation at Orange level

Iceland has returned the alert status on the chances of disruption to aviation to orange alert following an eruption of the Bardarbunga volcano overnight. Airspace over the volcano had been closed but has since reopened as Icelandic authorities carry out further assessments.

Whilst currently no volcanic ash has been identified in the atmosphere the raising of the alert status indicates the ongoing concern.

Around 300 earthquakes have shaken the area around Bardarbunga over the past week. More information can be found on the BBC website Iceland lowers alert for erupting volcano

Do be aware that when considering buying cover against volcanic disruptions most insurers will, in the event of an eruption at some point call it a 'known event' and refuse to cover any claims relating to it after this point. Direct Travel are in many circumstances an exception – see below for further information. If in doubt please contact your propsed insurer directly so you understand the current situation.

Travellers do need to be aware that although the laws relating to airlines responsibilities have been clarified and tightened since the 2010 eruptions if you are stranded following a volcanic ash event you can still be considerably out of pocket.

  • If your flight from the UK is cancelled due to an eruption - you may be reimbursed for your ticket cost, but other expenses such as your hotel bill, car rental, cruise ship costs may not be paid if you fail to show up as arranged.
  • Your flight may not be covered by EU legislation - rights only apply on any flight from an EU airport and those to EU airports from outside of the European Union on an EU airline. (EU in this definition includes all EU Member States plus Iceland, Liechtenstein, Norway and Switzerland).
  • "Codesharing flights" passengers get the same rights as passengers of the airline they travel on never mind who issued the ticket. So a passenger with a BA ticket travelling on an American Airlines flight into the EU they would not be entitled to the assistance. If you are flying on a BA plane on a Qatar Airways flight you would.
  • If you have two separate tickets rather than a through ticket (i.e. two single tickets covering your journey) if you miss your second flight due to a delay on your first you may still have to pay for any rearranged travel arrangements from your transit airport.
  • Add on insurance policies can give you more opportunity to make your own arrangements rather than having to rely on the efficiency of your airline - but do discuss your plans with your insurer before going solo!

We detail below some of the insurers who now off these 'add ons' which can, as well as covering volcanic ash cover previously unthought of risks including natural disasters, volcanic ash clouds, wildcat strikes, flu pandemics and more besides - as long of course you 'add them on'

Columbus Direct, Direct Travel, Aviva and Insure With Ease have developed these policies, all with slightly different levels of cover or points of difference - so read on!

Summary of Cover


Single Trip policies


Company Product Online Discount Offer cover for 'Known Events' Delay Benefit after 12 hours Abandonment benefit after 24 hours Online Screening for Pre Existing Medical Conditions Extra Premium for Volcanic Ash Cover Next Step

Post Office Post Office
Premium Single Trip Policies automatically cover delay or holiday abandonment compensation re volcanic disruption.


10% No YesYes No Online Screening Included with Premium Policies onlyPost
Post Office Premium (but not Basic or Classic) Policies include Delayed Departure and Abandonment cover during Volcanic Disruption
Post Office Premium Travel Insurance policies provide cover for Delayed Departure (on both outward and return trips) up to £400 or Abandonment claims (on outward trips from the UK) up to £10,000 arising from the closure of airspace caused by an Ash Cloud event. However, if the closure of airspace is public knowledge before you purchase Travel Insurance, cover will not be provided. Basic and Classic policies do not provide cover for airspace closure caused by Ash Cloud.

John Lewis John Lewis
Single Trip Policies automatically cover delay or holiday compensation relating to volcanic disruption.


20%
Discount automatically applied through our link
No YesYes On Some Policies IncludedJohn
John Lewis Policies include Delayed Departure and Abandonment cover during Volcanic Disruption
John Lewis will be cover for delay compensation or holiday abandonment if your trip is disrupted by a volcano.

AvivaAviva
Single Trip Policy including Airspace Closure Cover
Up to 20% (Subject to Minimum Premium level)NoYesYesNo£5.00Aviva
Airspace Closure Cover
Provides up to £5,000 extended cancellation cover if, when due to depart from the UK, you can't because airspace is closed for more than 24 hours or an airport or port that you are scheduled to travel from or through is closed for more than 24 hours from time of your scheduled departure. Also if you are unable to return home on your scheduled return date for the same reasons, a benefit is paid for each 24 hours you can't return, or reasonable travel expenses, if after 24 hours, you unavoidably have to make immediate alternative travel arrangements to return home.

Travel Disruption Cover
A further add on from Aviva costing £2.50 provides extended cancellation and abandonment cover for a range of events including, amongst others, strikes and snowfall, pandemics and food poisoning in your holiday accommodation.
Catastrophe Cover
Included within base policy price and will provide up to £750 per person (£50 excess applies) for additional accommodation and/or transport costs to allow you to continue your trip if you are forced to move from your independently booked and prepaid accommodation due to avalanche, earthquake, explosion, fire, flood, landslide, storm or tsunami occurring during your trip. This section only operates if you have booked your accommodation independently and directly with the accommodation provider.

Price applies per adult in the party and will be slightly cheaper if you use the attached link and buy online.


InsureInsure with Ease
Single Trip Policy inc Natural Catastrophe Cover (inc. volcanic ash)
0%NoYesYesNo£7.00Insure
Provides cover for catastrophic events caused by forces of nature: fire, flood, earthquake, explosion, tsunami, volcanic eruption, landslide, avalanche, hurricane, cyclone or storm which is unknown and unforeseen at the time you purchase the insurance.

Cover for cancellation up to £1,500 per person, additional expenses up to £150 per day (£1,500 in total) per person, replacement accommodation up to £150 per day (£1,500 in total) per person and travel delay £25 per 12 hours (maximum £250) per person.

Price applies per adult in the party.


ColumbusColumbus Direct
Single Trip Silver Policy including Volcanic Ash option
12%NoYesYesNo£8.00Columbus
Volcanic Ash Cover to include cover up to £225 for Travel Delay, £3000 for Abandonment & £300 for Missed Departure as a result of Volcanic Ash. No claims for volcanic ash will be eligible without this cover.

Use our exclusive link to increase the usual Columbus 10% discount to 12% (discount included in price quoted)

ColumbusColumbus Direct
Single Trip Gold Policy including Volcanic Ash and Emergency Travel Upgrade option
12%NoYesYesNo£12.50Columbus
Volcanic Ash Cover to include cover up to £300 for Travel Delay, £5000 for Abandonment & £1500 for Missed Departure as a result of Volcanic Ash. Emergency Travel Upgrade also provides £4,000 of extra cover in the event of any unforeseen circumstances. No claims for volcanic ash will be eligible without this cover.

Use our exclusive link to increase the usual Columbus 10% discount to 12% (discount included in price quoted)

DirectDirect Travel
Single Trip Policy including Volcanic Ash option
15%SomeYesYesNo£10.20Direct
Up to £6000 of additional cover. Price applies to each adult in the party

Provides benefits for unrecoverable costs for natural disasters (not strikes), including accommodation and alternative travel.

Single Trip policyholders - if at the time of purchasing this insurance you are due to depart on your trip within the next 7 days, and a natural catastrophe has occurred which may directly result in a claim under this insurance, the amounts in the companies table of benefits will be reduced by 75%.

Annual Multi-Trip policyholders - if at the time of purchasing this insurance or booking your trip, whichever is the later, you are due to depart on your trip within the next 7 days, and a natural catastrophe has occurred which may directly result in a claim under this insurance, the amounts in the companies table of benefits will be reduced by 75%.

No cover is provided under this section of cover if on the date of purchase your departure airport has already been closed or your flight has already been grounded.



Annual Multi Trip policies


Company Product Online Discount Offer cover for 'Known Events' Delay Benefit after 12 hours Abandonment benefit after 24 hours Offer cover for Pre Existing Medical Conditions Extra Premium for Volcanic Ash Cover Next Step

Post Office Post Office
Premium Single Trip Policies automatically cover delay or holiday abandonment compensation re volcanic disruption.


10% No YesYes No Online Screening Included with Premium Policies onlyPost
Post Office Premium (but not Basic or Classic) Policies include Delayed Departure and Abandonment cover during Volcanic Disruption
Post Office Premium Travel Insurance policies provide cover for Delayed Departure (on both outward and return trips) up to £400 or Abandonment claims (on outward trips from the UK) up to £10,000 arising from the closure of airspace caused by an Ash Cloud event. However, if the closure of airspace is public knowledge before you purchase Travel Insurance, cover will not be provided. Basic and Classic policies do not provide cover for airspace closure caused by Ash Cloud.

John Lewis John Lewis
Annual Policies automatically cover delay or holiday compensation relating to volcanic disruption.


20%
Discount automatically applied through our link
No YesYesOn Some PoliciesIncludedJohn
John Lewis Policies include Delayed Departure and Abandonment cover during Volcanic Disruption
John Lewis state in their FAQs that you will be covered for delay compensation (on both outward and return trips) of between £300 and £600 (depending of level of cover bought) or holiday abandonment claims (on outward trips from the UK) or between £1,000 and £8,000 if your trip is disrupted by a volcano.


InsureInsure with Ease
Annual Multi Trip Policy with Natural Catastrophe Cover (inc. volcanic ash)
0%NoYesYesNo£9.00Insure
Provides cover for catastrophic events caused by forces of nature: fire, flood, earthquake, explosion, tsunami, volcanic eruption, landslide, avalanche, hurricane, cyclone or storm which is unknown and unforeseen at the time you purchase the insurance.

Cover for cancellation up to £1,500 per person, additional expenses up to £150 per day (£1,500 in total) per person, replacement accommodation up to £150 per day (£1,500 in total) per person and travel delay £25 per 12 hours (maximum £250) per person.


AvivaAviva
Annual Multi Trip Policy including Airspace Closure Cover
Up to 20% (Subject to Minimum Premium level)NoYesYesNo£10.00Aviva
Airspace Closure Cover
Provides up to £5,000 extended cancellation cover if, when due to depart from the UK, you can't because airspace is closed for more than 24 hours or an airport or port that you are scheduled to travel from or through is closed for more than 24 hours from time of your scheduled departure. Also if you are unable to return home on your scheduled return date for the same reasons, a benefit is paid for each 24 hours you can't return, or reasonable travel expenses, if after 24 hours, you unavoidably have to make immediate alternative travel arrangements to return home.
Travel Disruption Cover
A further add on from Aviva costing £5.00 provides extended cancellation and abandonment cover for a range of events including, amongst others, strikes and snowfall, pandemics and food poisoning in your holiday accommodation.
Catastrophe Cover
Included within base policy price and will provide up to £750 per person (£50 excess applies) for additional accommodation and/or transport costs to allow you to continue your trip if you are forced to move from your independently booked and prepaid accommodation due to avalanche, earthquake, explosion, fire, flood, landslide, storm or tsunami occurring during your trip. This section only operates if you have booked your accommodation independently and directly with the accommodation provider.

Price applies per adult in the party and will be slightly cheaper if you use the attached link and buy online.


ColumbusColumbus Direct
Annual Silver Policy including Volcanic Ash option
15%NoYesYesNo£12.00Columbus
Volcanic Ash Cover to include cover up to £225 for Travel Delay, £3000 for Abandonment & £300 for Missed Departure as a result of Volcanic Ash. No claims for volcanic ash will be eligible without this cover. No claims for volcanic ash will be eligible without this cover.

Use our exclusive link to increase the usual Columbus 10% discount to 15% (discount included in price quoted)

ColumbusColumbus Direct
Annual Gold Policy including Volcanic Ash and Emergency Travel Upgrade option
15%NoYesYesNo£20.00Columbus
Volcanic Ash Cover to include cover up to £300 for Travel Delay, £5000 for Abandonment & £1500 for Missed Departure as a result of Volcanic Ash. Emergency Travel Upgrade also provides £4,000 of extra cover in the event of any unforeseen circumstances. No claims for volcanic ash will be eligible without this cover.

Use our exclusive link to increase the usual Columbus 10% discount to 15% (discount included in price quoted)

Direct TravelDirect Travel
Annual Multi Trip Policy including Volcanic Ash option
15%SomeYesYesNo£20.40Direct
Up to £6000 of additional cover. Price applies to each adult in the party

Provides benefits for unrecoverable costs for natural disasters (not strikes), including accommodation and alternative travel.

Single Trip policyholders - if at the time of purchasing this insurance you are due to depart on your trip within the next 7 days, and a natural catastrophe has occurred which may directly result in a claim under this insurance, the amounts in the companies table of benefits will be reduced by 75%.

Annual Multi-Trip policyholders - if at the time of purchasing this insurance or booking your trip, whichever is the later, you are due to depart on your trip within the next 7 days, and a natural catastrophe has occurred which may directly result in a claim under this insurance, the amounts in the companies table of benefits will be reduced by 75%.

No cover is provided under this section of cover if on the date of purchase your departure airport has already been closed or your flight has already been grounded.



Policies which provide 'extra cover' options


Columbus Travel

Special moneymaxim promotion - 5% off Annual Policies, 2% off Single Trip policies in addition to Columbus 10% online discount - use the following exclusive links:

Get Reduced Columbus Direct Annual Policy Quotations Now!

Get Reduced Columbus Direct Single Trip Policy Quotations Now!

To try to clear up any confusion as to what travel insurance covers policyholders for, Columbus Direct offer an option for policyholders which offers this cover which helps passengers pay for alternative ways home or emergency accommodation in case of being stranded overseas. The maximum claim per policy is £1,000 of expense.

Will cover pre existing medical conditions.

See the Columbus Direct website for full information.

Direct Travel

Direct Travel have brought in an add on policy which offers extra cover in the case of a Natural Disaster. This policy covers cancellations, alternative means to get home, extra costs such as accommodation, car parking and kennel fees. Do note though that this policy does not come into force for strike action. Pre-existing medical conditions can now be covered.

Direct Travel also have a very clear policy as to when a natural disaster becomes a known event - broadly speaking reduced benefits apply for the first seven days after a policy is bought, but then full benefits apply - as always read their terms and conditions (there is also a restriction if you book a last minute holiday and are due to depart within seven days when a situation is 'live'). Its easy to check this is current as by calling them - you will hear a recorded message confirming this as current - although then buying online will be probably be a lot quicker than waiting for an operator!

Single Trip policyholders - if at the time of purchasing this insurance you are due to depart on your trip within the next 7 days, and a natural catastrophe has occurred which may directly result in a claim under this insurance, the amounts in the table of benefits will be reduced by 75%.

Annual Multi-Trip policyholders - if at the time of purchasing this insurance or booking your trip, whichever is the later, you are due to depart on your trip within the next 7 days, and a natural catastrophe has occurred which may directly result in a claim under this insurance, the amounts in the table of benefits will be reduced by 75%.

Boots Travel Insurance have a very similar policy to Direct Travel policy, it's underwritten by the same underwriters, and claims are handled by the same firm. There are some minor differences between the policies but generally we find Direct Travel policies to be around 30% - 40% cheaper than Boots hence our focus on them.

Full information can be found on the Direct Travel website.

Insure With Ease

Insure with Ease offer a range of very cost effective travel insurance policies aimed at travellers under the age of 75, who have no medical issues requiring cover. Their Natural Disaster Cover which is an bolt on to their standard policies is only £4 for a single trip short haul policy (£6 for an annual policy) and £6 / £10 for long haul) is not as comprehensive as some, but is a good basic policy at a great price.

Visit the Insure With Ease website for more information.

AVIVA

Aviva have an upgrade policy, costing around £5 per single trip policy for each traveller, or £10 per traveller on annual policies (although for families they will only charge for a maximum of two children) that will cover 'closures of airports or ports' - for any reason from terrorism to the actions of a volcano, hurricane or pandemic. See our feature more information can be found in our feature on Aviva Travel - Volcanic Ash policies. Aviva cover those up to 79 years old, but don't cover pre existing medical conditions.

Aviva sell the upgrade online - click to say that you want their closure of port or airspace option - which means you also get a 10% online discount.

Provides additional cover for range of events that might cause disruption to your travel plans such as strikes (outbound leg only) snowfall, Foreign Office advice, food poisoning and pandemics. Cover is provided for:-

Extended Cancellation cover (£5,000)
Extended Abandonment cover (£5,000)
Missed Connections outside of the UK (£1,000)
Delay outside the UK (£25 every 12 hours)

Whilst strikes are not covered on the home bound leg the Aviva policy will provide its standard cover in this respect. If you want to have the option of having alternatives for a homeward leg if a strike is called by airline staff consider the Columbus policy.

Visit the Aviva website for full details.

So which policy is best for you? It really depends on the level of cover you want to take - Cancellation only, Cancellation and Get You Home / Extra Accommodation costs in case of a Natural Disaster, or whether you want the latter with Strike cover included too. Its really up to you!

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This information is based on journalistic investigation and research. It is not financial advice. Any information should be considered in regard to specific circumstances. Any suggestions followed up are done so at your own risk and your own research is key. Prices and features checked and correct as at 29th August 2014.