companies automatically exclude such risk. This is also the case when travelling to high risk countries. These include countries where there is political unrest such as Ukraine, warzones such as Israel and highly infected countries such as countries experiencing the Ebola outbreak. Additionally, some weather conditions that may disrupt holidays and flights might not be covered by insurance policies. A clear example of this was the case of the 2010 Icelandic Eyjafjallajökull Volcano eruption. Another