News feeds at the moment seem to be offering mixed messages about how insurers and airlines have been dealing with passengers claims as a result of recent travel disruptions.

It appears that many UK based passengers have reported problems in terms of claims for the additional costs incurred as a result of staying much longer on the continent than was originally planned.

EU air transport regulations do provide an obligation on airlines to provide a level of support for travelers as a result of delays in return travel. However, these obligations appear to be a little vague, and are based on “reasonable” expenses.

What is “reasonable” to an airline confronted with massive losses due to the recent volcanic ash events in Europe may not seem so reasonable to a stranded passenger.

Another issue that has become quite significant is that of relying upon limited forms of insurance. Many travelers make use of the travel insurance offered as part of the package for those with premium credit cards. Whilst this coverage certainly does offer a level of protection, you should still look at the fine print attached to this cover to ensure that it will meet your needs.

An example of this is that one well known credit card provider has a travel insurance policy that allows for “Travel Inconvenience Cover”, defined as cover for:  delayed flight departure, flight cancellation, denied flight boarding, missed flight connection. Unfortunately the limit for this coverage can be less than $US200.

Many travelers consider themselves to be covered if they purchase coverage that is offered at the time of purchase of a flight ticket.

Again, such policies have very limited coverage for flight disruption, since they are limited to a specific pricepoint and are primarily aimed to protect the purchaser against losses relating to the specific air travel components of the trip.

Travelers wishing to cross the English Channel did have a number of transport options available, including Eurostar, other train services and ferries. Unfortunately the options were not as great for those passengers wishing to travel to or from the Americas, Asia, Australia and other locations outside Europe.

The basic message here is that travel insurance is a matter that travelers should carefully consider the terms and conditions that are offered, and not simply jump in unprepared.

John Kumm, Author,

Discover more informative information relating to travel at http://onlinetravelconsultant.com

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The ash cloud that disrupted European air traffic

The ash cloud that disrupted European air traffic - (Xinhua Reuters photo)

The recent worldwide travel chaos that resulted from the volcanic eruption in Iceland emphasizes just how fragile our technology hold over the forces of nature really are.

The amazing thing about this is that Iceland is fairly remote from most of the European airspace that was closed down for many long days.

It seems that the prevailing winds were at the time traveling in an unusual direction, and this resulted in the ash cloud’s spread over much of northern Europe, and in fact across well into Russia as well.

I seem to remember that this particular volcano’s last eruption was recorded from 1821 to 1823, with substantial explosive eruptions (similar to this year’s activities) happening between late June and Early August in 1823. Had such a string of eruptions occurred this month, then the skies may have been closed off to aircraft for 6 weeks or so.

It is perhaps a good thing that we didn’t have Jumbo Jets and other similar flying objects around in those days!

The result of an event resulting from “natural causes” cost many billions of dollars to the travel sector as well as resulting in massive disruption to the travel plans of many travelers.

Of course the other side issue of all of this that escapes attention in that of freight transport. Many businesses (particularly those with contracts to supply highly perishable goods like fresh seafood and cut flowers) suffered very heavy losses as a result of being unable to deliver their produce.

The flight disruption was also a timely reminder to all of us who travel to carefully read the wording on our travel insurance policy. Many of the people who were caught out this time found out (too late) that their policies had exclusions which prevented them from making a claim.

The other aspect of this event is that the “blame game” has now begun. Passengers are complaining that their airline held up flights for longer than some others. In turn, airlines are tending to say that the national air travel regulators in many countries closed off their airspace too early and were overly cautious in the time that the airspace was re-opened. In their defence, regulators have claimed that the advice that they received from vulcanologists and meteorological bureax were not sufficiently detailed and accurate.

We can be sure that this is now an issue that has managed to come to the front of the queue for issues that need some better organized process of measurements and decision making, so that dangerous situations are avoided, whilst nevertheless reducing the level of disruption to an absolute minimum.

There will definitely be more to come on this issue. Stay tuned!

John Kumm, Author

For other interesting and informative travel related discussions, visit us at: http://www.onlinetravelconsultant.com

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Potential travelers are very strongly advised to check up on the level and type of cover offered by Travel Insurance companies as a result of recent terrorism related security clampdowns.

Whilst almost all insurers offering travel insurance have exclusions for terrorism related events, there is currently a variation in the definition of what constitutes a terrorism related violent action.

As an example, some policies define terrorism to include “violent acts, the treat of violence used by a person or organization to promote their cause or beliefs”, some even include military force used to combat terrorist acts.

Other insurance policies are more specific, defining terrorism as “an act done with the intention of developing a political, ideological or religious cause, and with the intention of influencing by intimidation, the government of a country”.

Another issue relates to the standard exclusion of cover for personal valuable items such as cameras, computers, etc held in the hold of an aircraft from insurance policies. As a result of the new guidelines currently being enforced in the UK, where such items are prohibited from carriage in the cabin, you should check with your insurer to determine whether this clause has been temporarily removed.

Some commentators have suggested that less than half of travelers into and out of the UK are potentially likely to have insurance claims as a result of the recent events for disrupted travel, hotel cancellations, etc honored by travel insurers.

This seems to relate to a very narrow interpretation by travel insurance underwriters of whether the delays are as a result of terrorism, or of attempts to prevent terrorism.

Categories : Air, Security, Uncategorized
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