The ABI (Association of British Insurers) has issued some advice today
following widespread havoc.
Travel Insurance
For those travelling by air, 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 either or
12 hours). Some policies may pay for missed flights because a passenger
is unable to reach the airport due to bad weather. Cancellation of actual
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 details
of their own policy, as cover does vary. If in doubt talk to your insurance
company or broker, who will be able to explain what is covered.
Household Insurance
Closer to home snow damage may be covered under the ‘storm’
provision within buildings insurance policies. Policy holders should
contact their insurance company or broker for information and advice.
Frozen pipes and water tanks tend to be the most likely affected by
sub-zero temperatures. Check the lagging on both, if you have enough
constant heating in the house, it will prevent the water tank from freezing.
Motor Insurance
Accidents caused by snow or ice will be covered under comprehensive
motor insurance policies. The cost of breakdowns or vehicles not starting
is not covered. Unfortunately flat batteries are the main cause of havoc
followed by cars turning over but refusing to start up.
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