Freedom Insurance and AXA have a unique extension available on their policy to cover eventualities such as volcanic eruptions.
Here is some clarification of the facts surrounding travel disruption following the eruption of Eyjafjallajokull in Iceland. The text is by necessity only current at the time it was written but is hoped it provides some information and advice that will prove useful to the general public.
1. If you have no travel insurance the following would apply
(a) If you’re stuck at Departure Point and can’t get away.........
Flight Only Customers: Airlines are required to fulfil their obligations under
EU DENIED BOARDING REGULATIONS.
In summary this means:
Note: The European Commission Vice President for Transport has said “Even in exceptional circumstances EU Passenger Rights continue to apply”.
Customers that have booked a package holiday should expect to be offered alternative arrangements by their tour operator. If alternative arrangements are not acceptable the customer should expect to receive a full refund.
(b) If you’re stuck at Resort and can’t get home.........
Airline obligations remain in force for fight only customers and tour operators are obliged to keep clients in similar accommodation to that originally booked until the first available flight home
2. If you have “standard” insurance policy.
Provided your travel arrangements are booked through an ABTA registered agent you will have all the rights set out above and under normal circumstances will not need the independent traveller extension.
3. Do you need an Independent Traveller Extension ?
As an independent traveller, booking your own flights and separate accommodation, you will not enjoy the same rights as travellers booking through an agent. Although you have rights against your airline, there is an obvious gap in cover regarding your accommodation. That is to say in certain situations, Acts of God and Force Majeure (a greater force), are not covered under a standard travel insurance. Booking through a travel agent will afford protection under such circumstances but the independent traveller has no method available to reimburse them for unused accommodation at resort. The extension is an attempt to put the independent traveller in the same position as a travel agent customer. You should therefore consider the independent traveller extension. The details are summarised below: