Unfortunatley thats correct, we were "stuck"

in Florida for 4 extra days over Easter with Delta airlines, no cover at all. Couldn't fault Delta they got us onto another flight no problem and got back into UK within 2 hours of UK airspace being re-opened. Insurance company(Insure & Go) would not pay out.
Cost me approx £600 for hotel, car hire, food, cinema, mini golf etc. plus 3 days lost wage.
Not great but it really is a drop in the ocean considering the savings I have made over the years, last August alone was approx £6,000 difference between what I paid DIY and a package, mainly down to me getting Business class seats for price of economy.
Personally I can't see the volcano affecting us again with new tollerance levels and less activity so not something I am bothered about.
If you wanted to stick with FC couldn't you just ignore the car or refuse it? with a Virgin holiday package you don't have to take it, with a flydrive you are supposed to but we just ignore it and don't collect, book my own seperate.