In light of the recent flight disruptions caused by volcanic ash, I decided to enquire as to whether my travel insurance provider, Atlas Direct, would attempt to weasel out of claims should we be hit by problems (we don’t travel until August, so should be safe, fingers crossed, but wanted to check…).
10 working days later, I finally received the following response:
We do not consider volcanic ash to be “adverse weather” therefore there is no cover under the “Travel Delay and Abandonment” and the “Missed Departure” sections.
Additionally it is not a stated reason to cancel or curtail a trip and therefore there is no cover under the “Cancellation, Curtailment and Trip Interruption” section.
If the Insured is stranded abroad their policy will be automatically extended for the period the Insured is abroad provided you return on the earliest possible flight to the UK. The Insured is only covered for “Medical Emergency and Repatriation” and “Luggage”.
Additional accommodation and travel costs due to volcanic ash incident are not covered under this extension.
So, if you’re using Atlas Direct, do be aware that, if you are affected by flight cancellations from volcanic ash, they will not help you. Hopefully your airline/tour operator will, but they will not. I previously held Atlas Direct in fairly high regard and was happy to be insured with them, now I’m not so sure. (I know they’re not alone in wanting to weasel out of any claims due to the ash,though!)