Our flight was cancelled due to strikes across Germanies airports. We subsequently rang Holiday Extras and were told that there would be a £20 later return fee, however as we had paid for late return cover were told that we would be reimbursed. Sadly this isn't the case and on reading small print it seems you are not insured if there's a strike, in fact there seem to be few occasions when you would be covered. Whilst I appreciate it's a small amount to pay I would advise people to check the T&C and judge whether this is actually insurance or not. The agent I communicated with advised me I wasn't covered so quickly he clearly had the information copied and ready to deliver... Very well rehearsed. Doubtful I'll use this service again, purely on principle.