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Snow
chaos - the insurance position - 2nd February 2009
Following
heavy snow causing widespread disruption across the UK, the
ABI has issued information to policyholders on what is covered
by travel, motor and household insurance policies
__________________________________
Monday,
2nd February 2009
With
widespread disruption to the UK’s travel network, and heavy
snow having the potential to damage property, the ABI (Association
of British Insurers) has issued the following consumer advice
Travel
insurance : Delays at snowbound airports are usually covered.
Typically, cover begins after passengers have been delayed
for a period of time specified in their policy (typically
eight or 12 hours).
The
policy will then pay a cash amount, typically of around £50
for each subsequent eight or 12 hour delay, up to a maximum
limit. Some policies may pay for flights missed because the
passenger is unable to reach the airport due to bad weather.
Cancellation of flights due to bad weather is unlikely to
be covered – insurance typically only covers passengers if
they have to cancel their flight due to events like illness
or redundancy.
Travellers
should check the details of their own policy, as cover does
vary, and if there is any doubt, talk to their insurance company,
which will be able to explain what is covered.
Household
insurance : Snow damage may be covered under the ‘storm’
provision within buildings insurance policies. Policyholders
should contact their insurance company for information and
advice – most companies have 24-hour emergency helplines for
customers.
Motor
insurance :Accidents caused by snow or ice will be covered
under comprehensive motor insurance policies. The cost of
breakdowns or vehicles that fail to start is not covered –
motorists should contact their breakdown or roadside assistance
provider, which is often bundled with motor insurance policies.
Claims against other motorists will only be valid if negligence
can be proved.
Nick
Starling, the ABI’s Director of General Insurance and Health,
said: “Severe weather conditions cause great disruption and
inconvenience, and insurance is there to help soften the blow.
People who have suffered flight delays or damage to their
home or vehicle due to the weather should contact their insurance
company for advice.”
Source
ABI Association of British Insurers
More
Information at ABI
Website
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