Though the haze is principally a "man-made" event, the wind and where it blows are natural weather phenomena ("Travel plans hit by haze? Some insurers won't accept claims"; Monday and "Enough reasons for haze to be covered by insurance" by Mr Chan Teck Chye; yesterday).
Had the wind blown the haze in a different direction, the trips of the insured travellers would not have been affected adversely.
So, their trips were disrupted by a natural phenomenon - wind blowing the haze in a certain direction. Insurance companies should compensate the insured travellers for such disruptions.
Lum Phui Yuen