Provided by Towergate AUL who are underwritten by Fortis Insurance Ltd
Following the on going travel disruption caused by the volcanic eruption in Iceland, JS Insurance have been provided with some clarification on cover by one of our providers Towergate AUL.
Information regarding travellers abroad
If a customer has a Towergate AUL policy, it may be difficult for them to obtain insurance elsewhere at short notice and in their current location, so Towergate AUL are willing to extend cover free of charge.
No claims will be accepted for additional accommodation or transport costs as a result of the volcanic eruption.
Towergate AUL acknowledge that some customers may not be aware that they must contact us to let us know that they are have been delayed and these customers will not be penalised, provided they have returned on the earliest possible flight.
Information regarding customers with rearranged travel plans
Most Carriers are offering alternative travel plans for their customers. Towergate AUL will accept the transfer of cover to the new dates of travel as long as they are within the next six months and the new trip duration being the same as the original.
Claims would only be considered under this section if all the avenues of reimbursement have been exhausted first. (i.e. Airlines, Tour Operators, Credit Card Company, Travel Agents etc.)
Travel Delay and Abandonment
This section of cover provides specific exclusions, one being any claims arising ftom the delay of travel arrangements by or on the order of any Government, public or local Authority but not limited to any civil or Federal Aviation Authority. For this reason, the policy cannot respond if the authorities have grounded/delayed flights.
Whilst the above overriding exclusion applies, it is also worth noting that a volcanic eruption is not a weather event and, whilst most policies provide cover for adverse weather, this does not apply in these circumstances.
Repatriation of patients mid-claim
Towergate AUL acknowledge that due to the disruption, the repatriation of customers who have suffered a medical emergency may be delayed and subject to increased medical related costs. These increased costs will be accepted under the policy cover, subject to repatriation at the earliest opportunity and the standard terms and conditions of the policy.