Travel insurance will generally cover issues arriving from air turbulence, as we recently reported.
But what if passengers have ignored the seatbelt warning light flashing above their head, and advice from the pilot? If they have been advised to put their seatbelt on because of turbulence, but don’t, who is liable?
Our story prompted reader Ainslee Ashton to ask this specific question. “Does this negate the insurance policy in the event of injury by air turbulence?” they ask. “My thoughts are that you have not taken the action recommended for your safety so the policy is not responsible.”
Natalie Ball, managing director of comparetravelinsurance.com.au, advises: “In accordance with most travel insurance policies, travellers are expected to take personal responsibility and act with reasonable caution to avoid filing a claim.
“However, in the event of airline turbulence and the need to submit an insurance claim, each case would be assessed individually, taking into account specific circumstances.
“For instance, someone ignoring the seatbelt light warning while watching a movie during flight turbulence, could be viewed as disregarding safety precautions as opposed to someone attending to an upset child or retrieving an item from the overhead locker.
“Having said that, a passenger not wearing a seatbelt during a flight is unlikely to be seen as intentionally putting themselves in harm’s way.”
AIR TURBULENCE
Credit: Supplied
Passengers delayed because of severe turbulence events are likely to receive compensation from the airline, but any extra costs may be covered by insurance.
Travel insurance can reimburse you for additional out-of-pocket expenses, such as meals, accommodation and new flights not covered by the airline. Just be sure to keep all necessary receipts and documents.
CLAIM TIPS
To ensure a smooth claims process, collect and submit all relevant supporting documentation to your travel insurer.
Natalie says: “Whether claiming for medical treatment or additional travel and accommodation expenses, make sure you keep all receipts, medical certificates and relevant documentation. This includes a letter from the airline outlining any compensation, refunds or credits you’ll receive. Additionally, have proof of your original, prepaid travel arrangements along with a copy of your passport.”
She advises being well prepared before submitting your claim: “Having all your documents ready will usually result in the claim being assessed and processed within 10 business days. Drip-feeding documents often leads to delays, so try to get everything organised for a timely payout.”