Do I need insurance for ash cloud?

A question about : Do I need insurance for ash cloud?

Apologies if this has been asked previously, but I was wondering if I need my travel insurance to cover the possibility of another volcanic ash cloud disruption or whether my package holiday (Thomsons) would cover it - i.e. would they give me my money back in full, transfer my holiday etc? If I need the extra insurance, does anyone know if the AXA Premier is a good policy? Thanks.

Best answers:

• AXA is a great Insurance company provided you don't try to make a claim !!
• Thomsons web site states the following:
  
  I have a booking / would like to make a booking, what happens if the Volcanic Ash Cloud closes UK airspace again? Package Holidays: If your flight is cancelled and you are unable to travel to your destination within a reasonable amount of time (subject to our terms and conditions and the airlines conditions of carriage), you will be able to rebook your holiday for an alternative date – where possible we will endeavour to amend your holiday for the same price although occasionally some costs may be higher. Or, if we cannot amend your holiday, we will offer you a full refund.
  So, does this mean I am covered through Thomsons and do not need the additional cover?
• I work for eShores and we are a travel agent. Basically the way we work is that every holiday we sell is ATOL protected. If it's ATOL protected, this basically means if we can't honour that holiday we have to give you a full refund. EG. If there's an ash cloud and your flight departing the UK is cancelled - we then can't honour that holiday so we give you a 100% refund. If you're stuck abroad we are responsable to look after you and get you home.
  So basically you just need to ensure your booking an ATOL protected holiday which Thomson is so you're fine :-)
  Or give us a buzz and we can help ;-)
  Hope that helps x