As we all know there are many benefits to having a travel insurance policy and with many people arranging their own holiday itinerary, you will not have anyone to turn to should anything go wrong. If however you book as part of a package then the tour operator will advise you on what to do should anything go wrong; you will then also be able to claim from your insurers for things that are part of your policy. This includes delays, lost baggage and hotel problems. Depending on the policy you choose, you may or may not be covered for even the most simplest of things like flight delays so it’s well worth checking beforehand.
Since the eruption of the volcano in Iceland April 2010, this has caused many flights to be delayed for up to a week and even more in some places. When this natural calamity happened, everyone just assumed that the travel insurance will pay up for things out of pocket like arranging another week of accommodation but all travel passengers were left shocked to find that the volcano was a natural calamity so is not covered in the travel insurance policy. For those who booked with a tour operator, they would’ve have arranged everything so you don’t have to. If however you booked your own flights and accommodation, you would have to sort out another week’s worth and pay for it yourself.
There have been many passengers that have praised their tour operator for looking after them and their family while this natural calamity happened but there have been many that have been left stranded and massively out of pocket. As all policies vary, the majority will state clearly in the terms and conditions that all natural calamities such as volcanoes, hurricanes and earthquakes are simply not covered. It is unfortunate that the country you may be holidaying in does not contain any natural wonders but they can affect neighbouring countries such as ash clouds from volcanoes.
Although many have been affected by the Iceland volcano, the likelihood that insurers will pay out for anything is very slim. In most cases there are reports of insurance companies levying a tax of £40 as the volcano continues to release ash clouds. Since the volcano eruption, more people are now aware of the possibility of weather related problems all over the world. There are still some travel insurers that are compensating travellers who have their plans affected by the volcano even if they have booked after 14th April, but there is a chance that the premiums will be slightly higher than other travel insurance companies.