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Travel Insurance that works, even with ash clouds about?

Lazyweb request. In a few weeks I’ll be taking a flight, along with the wife and kids, for some holidays.

The trip was booked before the whole ash-cloud thing and I used Ace Travel Insurance, a typical low-cost travel insurance agency, winding up with an ‘ACE Travel Single Trip Travel HealthCover+ Insurance Policy’.

Looking at the policy doc now, it expressly excludes cover for ‘a Public Conveyance being cancelled or curtailed because of adverse weather, industrial action, or mechanical breakdown or derangement’ if ‘an aircraft, sea vessel or train is withdrawn from service on the orders of the recognised regulatory authority in any country’ — which is exactly what’s been happening in Ireland in the face of the Eyjafjallajoekull ash cloud.

That’s pretty useless, isn’t it? I’m considering booking another additional policy to cover the ‘ash case’. Anyone got any tips on single-trip policies that don’t use a similar exclusion?