Rock Insurance managing director Antony Martin believes travel insurance providers should consider offering a wider range of policies in the wake of the volcanic ash airline disruptions.

Speaking after the Association of British Insurers announced that many travelers will not be covered by their insurance policies, Martin pointed out that low premiums mean there are limits on the range of risks covered by most policies.

He explained: “Part of the problem with UK travel insurance is the premiums are so low that most policies are written for specified risks only and are not designed to cover ‘all risks.’

“Although we do not agree with the stance that has been taken as many customers will be left with hefty bills, I do understand why it is not covered.

“Perhaps it is time for the industry to introduce more expensive products that cover ‘almost everything’ so the consumer can choose if they want a more restrictive policy for just a few pounds, or a more comprehensive one that will give them complete peace of mind.”

Today the Association of British Insurers has advised travellers to contact their travel agents as their first port of call.

Martin added: “Most airlines should offer either a full refund or an alternative flight and depending on your travel insurance provider will refund your premium if you took out a single trip policy.

“However, this is little relief for the many stranded travellers.”