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  • FIRST POST
    • pennyprincess
    • By pennyprincess 16th May 10, 1:08 PM
    • 107Posts
    • 63Thanks
    pennyprincess
    not booked travel insurance yet - ashcloud and festival cover? HELP!
    • #1
    • 16th May 10, 1:08 PM
    not booked travel insurance yet - ashcloud and festival cover? HELP! 16th May 10 at 1:08 PM
    Hello here is my situation apologies if there is an easy answer to this somewhere but I have been looking and getting very confuddled!!

    We have booked flights via easyjet 1 week return to Portugal in July
    We have booked accommodation via owners direct (sharing with another couple who also have already booked their own insurance as she is pregnant but presumably this would be for their part of accommodation costs if they cannot get permission to fly)
    We have not yet booked our travel insurance
    The day after we come back we are booked to go to campbestival which I would dearly like to have covered incase we cannot get back from Portugal due to ash cloudness!!
    What is the best way to do this?? Would the camp bestival trip be covered be covered under multi trip/annual travel insurance or will it not matter because we didnt book our insurance before the ash cloud stuff started??

    Also any advice on the best insurance for self booked trips (as opposed to packages) will be most welcome!!

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    Last edited by Former MSE Wendy; 18-05-2010 at 8:25 PM.
    pennyprincess - getting more for less
Page 1
    • dzug1
    • By dzug1 16th May 10, 2:11 PM
    • 13,359 Posts
    • 6,125 Thanks
    dzug1
    • #2
    • 16th May 10, 2:11 PM
    • #2
    • 16th May 10, 2:11 PM
    Any insurance you take out now will not cover you for ash related events.
    • redkitty
    • By redkitty 16th May 10, 4:32 PM
    • 62 Posts
    • 179 Thanks
    redkitty
    • #3
    • 16th May 10, 4:32 PM
    • #3
    • 16th May 10, 4:32 PM
    Any insurance you take out now will not cover you for ash related events.
    Originally posted by dzug1
    Not true - there are a handful of insurers who WILL provide cover for Ash-related claims - but at a premium. They are:

    M&S Money
    HSBC
    First Direct
    Santander

    I checked as I also need insurance for next month and cheapest for me was Santander at just over 14 for single trip cover to Europe. Quite steep but they can afford to charge what they like! I may well buy it but am looking for electronics cover too as I'll prob be taking my laptop. If anyone can recommend anything, please let me know
    • dzug1
    • By dzug1 16th May 10, 4:42 PM
    • 13,359 Posts
    • 6,125 Thanks
    dzug1
    • #4
    • 16th May 10, 4:42 PM
    • #4
    • 16th May 10, 4:42 PM
    Not true - there are a handful of insurers who WILL provide cover for Ash-related claims - but at a premium. They are:

    M&S Money
    HSBC
    First Direct
    Santander

    Originally posted by redkitty
    Useful to know - thanks for the correction
  • brid13th
    • #5
    • 16th May 10, 7:32 PM
    • #5
    • 16th May 10, 7:32 PM
    Hi, we're in a similar kind of boat...

    Flying out to Barcelona next monday (24th) for a week. Have already booked and paid for hotels, and music festival tickets for when we get out there. Already have a cheap multitrip policy from flexicover but can't imagine it would cover much at all. I'm looking at the HSBC policy and wondering if it would be likely to pay out for the hotel and tickets if the volcano means we won't make it, even if I book it at short notice (it will currently let me do so on the website).
    • dacouch
    • By dacouch 16th May 10, 7:43 PM
    • 20,758 Posts
    • 12,858 Thanks
    dacouch
    • #6
    • 16th May 10, 7:43 PM
    • #6
    • 16th May 10, 7:43 PM
    Not true - there are a handful of insurers who WILL provide cover for Ash-related claims - but at a premium. They are:

    M&S Money
    HSBC
    First Direct
    Santander

    I checked as I also need insurance for next month and cheapest for me was Santander at just over 14 for single trip cover to Europe. Quite steep but they can afford to charge what they like! I may well buy it but am looking for electronics cover too as I'll prob be taking my laptop. If anyone can recommend anything, please let me know
    Originally posted by redkitty
    The above companies are unlikely to pay claims for Ash related claims for anyone taking cover out and / or booking holidays after the 15th April as the Ash problems are now a "Known event"
  • whereschris
    • #7
    • 17th May 10, 7:32 AM
    • #7
    • 17th May 10, 7:32 AM
    Hi

    Is there anyone who will cover the ash disruption now? I would expect to pay a premium but it could be worth it. I did catch a news article on the radio who said that a company would cover ash related disruption but didn't hear who it was...
  • stagey
    • #8
    • 17th May 10, 1:08 PM
    • #8
    • 17th May 10, 1:08 PM
    Hi - I am in the same position but haven't booked a flight yet nor insurance. We are joining friends in their time share early September - so no accommodation costs - but cannot do a package of course - and will be obliged to book a flight separately - is it likely then that if the ash hangs around for the rest of the year we would loose flight costs and any other outgoings if we were delayed there and back as no insurance will cover???
    • flightinfo
    • By flightinfo 17th May 10, 1:57 PM
    • 227 Posts
    • 99 Thanks
    flightinfo
    • #9
    • 17th May 10, 1:57 PM
    • #9
    • 17th May 10, 1:57 PM
    I've booked flights and hotel separately and am also looking to take out travel insurance. According to the Guardian, the following were still offering to cover the ash last week:

    Columbus; Direct Line; HSBC and its subsidiary First Direct; Marks & Spencer; Saga and Santander.

    I have spoken to M & S and they stated that they will cover you as long as the airports you are travelling from/to are open at the time you take out your insurance. Advice I was given was that with the current situation you might want to wait a couple of days. Also, you will need to take out the Premier insurance with cover for independant traveller. Before you act on this, please contact them yourselves to make sure you are given the same information. If I decide to go with M & S I will certainly ring again to check that this is the case.
  • Nigelp
    According to the Guardian, the following were still offering to cover the ash last week:

    Direct Line;
    Originally posted by flightinfo
    From Directlines website

    Whilst we appreciate that this event has caused mass disruption and inconvenience for travellers, customers wishing to buy travel insurance after the 15th April 2010 will not be covered for travel delay or missed departure arising from the volcanic ash, as they are buying cover in the knowledge that there is a problem.
    I've spoken to Columbus and Santander and they don't cover ASH .

    I'm also looking to renew my travel insurance for an upcoming European Holiday that was booked a few months ago. My current insurer (AXA) won't cover for the ASH (as I found out to my cost when we were stuck in the USA in April and had to pay for all our food and accomodation).

    I am trying to find an insurer who will cover the ASH if I end up stranded abroad again.

    I'll try the others you mentioned but I don't hold out much hope of finding a company who will offer cover for a future holiday with Volcanic Ash cover included.
    Last edited by Nigelp; 17-05-2010 at 5:00 PM.
    • northwest1965
    • By northwest1965 17th May 10, 6:08 PM
    • 1,858 Posts
    • 4,654 Thanks
    northwest1965
    Not true - there are a handful of insurers who WILL provide cover for Ash-related claims - but at a premium. They are:

    M&S Money
    HSBC
    First Direct
    Santander

    I checked as I also need insurance for next month and cheapest for me was Santander at just over 14 for single trip cover to Europe.
    Originally posted by redkitty
    I cant see on Santander site where it says they will cover for ash.

    I suppose the best thing to do is book a package while everything is still uncertain
    Loved our trip to the West Coast USA. Death Valley is the place to go!
  • sunshine1988
    Just spoke to M&S Money and they ARE covering for the ash cloud if you book today.

    It's a bit more expensive than I'd usually pay but it's nice to know I'll be covered!
    • lcrp53
    • By lcrp53 17th May 10, 8:41 PM
    • 51 Posts
    • 73 Thanks
    lcrp53
    Confirm
    Hi Sunshine - could you just confirm for me that M&S have confirmed that they will pay for ash cover if you buy their cover today - it will be great if they do !
    • lcrp53
    • By lcrp53 17th May 10, 9:02 PM
    • 51 Posts
    • 73 Thanks
    lcrp53
    Yippee - Yes.. just talked to M&S .. do provide cover. Give them a call they are very helpful. Thank you Sunshine - I can sleep soundly now Much appreciated
  • sunshine1988
    Yaaay glad I could help!

    That makes two of us who can sleep soundly!

    Have a fab holiday
    • flightinfo
    • By flightinfo 18th May 10, 9:44 AM
    • 227 Posts
    • 99 Thanks
    flightinfo
    I've just talked to M & S again. They have confirmed that they are covering for ash cloud today as long as your airport is open and, also your actual airline's flights to your destination are ok. When I phoned yesterday I wasn't told the information about individual airline. Basically it seems it is down to the person making the booking to make the decision as I did question would I be covered if there was a delay to today's flight as a knock on effect from yesterday's closures but was told if there are any delays from the ash you might not be covered. My corresponding flight is currently showing as leaving on time but I'm going to check back before booking to make sure the flight did leave as scheduled.

    Also, please remember you must add the independant traveller to your insurance to receive cover.
    • katies mum
    • By katies mum 18th May 10, 5:41 PM
    • 2,110 Posts
    • 257 Thanks
    katies mum
    I`ve got a little confused! (nothing new) not sure from the postings if M & S are covering the ash cloud or not. We travel to Orlando in August (and havn`t sorted out our insurance yet. Are also flying with US Airways.

    I`ll be most grateful for any more info. Many thanks
    • flightinfo
    • By flightinfo 18th May 10, 6:46 PM
    • 227 Posts
    • 99 Thanks
    flightinfo
    I have now booked through M & S - I phoned again as I was booking it as I was concerned as we are travelling with different airlines on our outbound/return journey. I was told that as long as airport you are departing to and returning from are open when you book you should be covered. I also queried what I had been told earlier in the day - i.e. that the plane left on time. The equivalent flight we are booked on left half an hour late today - the lady I spoke to confirmed that this would be looked on as a normal delay, i.e. not associated with volcanic ash.

    My advice would be to phone up M & S just before you book (it's cheaper to do it online) to get confirmation. They do record the conversation. I still feel it is a little bit open to interpretation as haven't got anything in writing but decided to pay the extra. One of the ladies I spoke to was very clear in what they would cover - e.g. any extra accommodation and new flights, etc. if you are stuck abroad; they will not reimburse your original flight costs as you would be expected to claim these from the airline (not sure what woudl happen if the airline is not EU). Don't forget, you must take out the Independant Travel which is shown as an addition to the normal policy.

    Hope this helps.
  • bricabracbettie
    brid 13th did you find insurance to cover accomodation and festival tickets??? we are going to primavera too and need to get insurance! thanks! x

    Hi, we're in a similar kind of boat...

    Flying out to Barcelona next monday (24th) for a week. Have already booked and paid for hotels, and music festival tickets for when we get out there. Already have a cheap multitrip policy from flexicover but can't imagine it would cover much at all. I'm looking at the HSBC policy and wondering if it would be likely to pay out for the hotel and tickets if the volcano means we won't make it, even if I book it at short notice (it will currently let me do so on the website).
    Originally posted by brid13th
    • katies mum
    • By katies mum 19th May 10, 1:30 PM
    • 2,110 Posts
    • 257 Thanks
    katies mum
    Thanks flightinfo, I`ll give M & S a call. Got a quote the other day and it was 200+ for Worldwide cover (dearer than most, but if it offers glimmers of hope with regard to covering more than other policies then it will be worth it)
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