Just received a reply from my travel insurance claim with bank of ireland {travel insurance division} after having to stay over an extra night in lanzarote in may , after our flight was cancelled due to ash cloud, extra cost included hotel for one night , meals x2 and lunch the following day plus associated taxi , all in about 150 euro ,{ not too bad } their reply was we were not covered for costs and expenses despite having there: Gold standard multi trip cover: only cover was 15 euro per 12 hours period of delay per person , total 60 euro ............... just as well we got back the following day !!!!!!!!!!!!!!! .