Travel plans ruined by volcanic ash?

I have an Endsleigh policy. In the policy there is no mention of exceptions for Natural Disasters. However Endsleigh have now put on their website that Natural Disasters are not included in their policies and won't pay out for such an event.

As always the insurance in this country (UK) is going to avoid paying out any money on its holiday insurance policies that were bought in the expectation that they would cover unexpected events . "Acts of God" is the easiest way for them to do it but what if the insured doesnt believe in God or the existence of a Universal get out clause. As always they employ people working hard at defining reasons which remove their liability.
The policies always come with a huge amount of small print but if they listed the items that they dont intend to pay for then there wouldnt be paper enough to print them on and no one in their right mind would buy Insurance..
Insurance companies in the UK are a poor excuse for monetary theft and second only to the large banking institutions

When is a disaster 'natural', or Act of God???

Are the planes not flying because of an eruption and the ensuing ash..., or because someone at N.A.T.S. have decided it's too dangerous, rightly or wrongly.

In more simple terms; what about flooding?

If your house floods because it rains heavily and a river floods.., thats a natural disaster. But what if the Rivers Authority have installed a weir and deliberately flood your area because it's cheaper than allowing another area to flood. This happens all the time with the Thames, to save London. Man has intervened, and it's no longer in the hands of God or nature!

The insurers save a fortune downstream, but refuse to compensate those upstream! (It's not a problem I have, I have just never understood the rationale)

Could it not be agrued that it was not the 'act of God' which stopped the planes flying it was a person/organisation telling them not to fly? If a river floods your house it does so directly however when the volcano erupts it has not taken out all planes, man has made the decision. Would this be covered do you think? You would have arguably got on a plane if there had been one, which there were, albeit grounded by man not God. Whether for our safety or not.

ENDSLEIGH policy.
We have the same policy and basically they have told us to go away, surely this could come under "adverse weather conditions". I feel that ENDSLEIGH are changing the rules as they go on. AXA is their underwriters. Come on AXA look and take a leaf out of DIRECT TRAVEL INSURANCE who are paying out under the "adverse weather conditions". NAME AND SHAME YOU!!!!!

My policy is with Europ Assistance, bought through Flexicover Direct - they too are not paying out as it was a natural disaster. Everyone else I know seems to be able to claim so I feel ripped off too. I wish there was a name and shame list somewhere!