Travel insurance carriers release position statements when current events affect coverage. These statements identify what benefits are no longer available for future policy purchases. When a labor strike of a common carrier becomes a foreseeable event, policies sold after then will not cover situations related to the labor strike. The following is a statement from Travel Guard on the BAA strike.
BAA workers have voted in favor of strike action, Friday 08/13/10, which could potentially affect the closings of the following airports: Heathrow, Stansted. Southampton, Edinburgh, Glasgow and Aberdeen. At this point, no strike dates have been determined.
Insurance would have to have been purchased on or before 08/16/10 for coverage to be effective.
Coverage for Strike would be based on the plan purchased and that plan’s Description of Coverage.
“Strike” means a stoppage of work:
(1) announced, organized, and sanctioned by a labor union and
(2) which interferes with the normal departure and arrival of a
Common Carrier. This includes work slowdowns and sickouts.
The Insured’s Trip cancellation coverage must be effective prior to when the Strike is foreseeable. A Strike is foreseeable on the date labor union members vote to approve a Strike.