We had travel insurance with Insure & Go. They have totally refused to pay out for delayed departure due to the volcanic ash disruption in April. We were delayed by six days. Fortunately, Thomas Cook put us up in an all inclusive hotel,so our additional expenditure whilst waiting to get home was minimal. I have since cancelled the policy with Insure & Go, and have been waiting over 5 weeks for a response to my cancellation e-mails and a refund as I cancelled the policy within the 14 day cooling off period.