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Speaker 1: Now our sympathies if you're planning any travel through the

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Speaker 1: Middle East at the moment, the war in Iran has

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Speaker 1: led to mass flight delays and cancelations as Iran and

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Speaker 1: neighboring countries have closed their airspace, and since it's a war,

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Speaker 1: it also means that lots of travelers will not be

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Speaker 1: able to rely on their travel insurance to help them.

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Speaker 1: John Duffy is Consuming New Zealand's chief executive and with

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Speaker 1: US Now, Hi.

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Speaker 2: John, Hi, here the how's it going?

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Speaker 1: Well? Thanks? Mate? So what's the rule with the insurance

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Speaker 1: read the war?

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Speaker 2: Well, many travel insurance policies do have exclusions that exclude

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Speaker 2: any claims that result from war, hostilities or any type

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Speaker 2: of military action. So if you have travel planned and

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Speaker 2: you've got travel insurance and you know you're affected by

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Speaker 2: the closures of Doha and Dubai airports, check your policies.

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Speaker 2: There are some sometimes there are ways through it. So

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Speaker 2: for example, some insurance policies do cover cancelations if it's

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Speaker 2: due to an airspace closure, but yeah, because it's hostilities

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Speaker 2: and military action, typically cover is excluded.

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Speaker 1: Am I right in thinking that It also can vary

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Speaker 1: depending on where you're flying to and where you're the pattern.

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Speaker 2: Absolutely, so if you're flying into the EU or the US,

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Speaker 2: or from either of those jurisdictions, you may have better

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Speaker 2: rights than if you were flying from New Zealand, for example.

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Speaker 2: So in the EU or the US in most situations

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Speaker 2: you'll be entitled to a refund without any questions being asked.

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Speaker 2: Those jurisdictions have much better protections under their consumer protection

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Speaker 2: legislation for fes for flights than we do here under

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Speaker 2: the Civil Asia Aviation Act.

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Speaker 1: What about if you've bought a tech as right, is

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Speaker 1: there some responsibility on the airline to reschedule you if

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Speaker 1: they are able to?

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Speaker 2: Yes, that's right. So if your flight is disrupted, often

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Speaker 2: airlines will provide you with an option, so they might say,

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Speaker 2: we will give you a refund, we will give you

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Speaker 2: a credit, or if you're willing to hang on, we'll

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Speaker 2: schedule you on the next available flight. But really it's

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Speaker 2: up it's down to the terms of your ticket. So

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Speaker 2: if you've bought a fully refundable flight, then you possibly

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Speaker 2: have both options, either either waiting and letting the airline

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Speaker 2: reschedule you or taking a refund and perhaps you know

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Speaker 2: going with another carrier. Flying and if you're going to Europe,

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Speaker 2: no flying through the States or something like that, what.

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Speaker 1: Would you do, John, if you had a ticket right

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Speaker 1: now to fly somewhere. Would you know, just generally generally

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Speaker 1: anywhere away from New Zealand is less safe? Would you

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Speaker 1: just be staying put?

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Speaker 2: Well, funnily enough, my family's in a situation where we

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Speaker 2: had a German exchange student was meant to be arriving

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Speaker 2: from Munich in Wellington today. My son's been doing an

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Speaker 2: exchange and all of his flights have been canceled because

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Speaker 2: they were transiting through Dubai, and you know, speaking to

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Speaker 2: his father, he's saying, we wish he'd been able to

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Speaker 2: leave a couple of days earlier, because there's no safer

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Speaker 2: place in the world probably than New Zealand at the moment.

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Speaker 2: It's just that you've got to transit through a combat

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Speaker 2: zone to get here. So yeah, we're we're kind of

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Speaker 2: personally affected by this. They're trying to rebook through the States.

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Speaker 2: So hopefully he gets here next week and he can

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Speaker 2: hunker down for a couple of months away from it all.

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Speaker 1: Yes, probably exactly the right place to be, John, Thanks

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Speaker 1: for that, man, appreciate your advice John Duffy, Consumer New

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Speaker 1: Zealand's chief executive.

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