Who Di I Claim Against For This Situation?

[GSD4ME]

Last weekend I travelled to Edinburgh for a university reunion from the South of England, with Storm Babet causing a multitude of problems. I have put a claim in to LNER for the almost 24-hour delay in travel (a full story in itself) but no-one is willing to entertain my claim for my missed hotel booking expenses (For the missed Friday night only). The travel insurance policy that I took out with the train ticket booking refuses to pay, the hotel will not and neither will Barclaycard, that I paid the hotel bill with. The train ticket was bought with my Mastercard Debit card if that is relevant. Any guidance would be appreciated as I do not know who to ask about this situation, given that these entities are all unwilling to offer a solution

[newmodarmy]

"The travel insurance policy that I took out with the train ticket booking"

It depends what this covered.

I can understand why the hotel isn't refunding you.

[GSD4ME]

Wrt Newmodarmy's response, the travel policy insurance people replied to my claim email saying that they wouldn't pay, rather than me simply reading the T's&C's to see what is covered. I should have stressed their rejection part in my OP more

[THECORBYLOON]

Did they explain why the claim had been rejected?

[newmodarmy]

No, GSD4ME- you had made it clear that they had refused to pay. You haven't said what reason they gave for turning the claim down. If they didn't say then the first step should be to ask them for their reasons.

[GSD4ME]

Good points from newmodarmy and corbyloon - I have sent them an email asking why and I also have a booked telecon with my company's legal team tomorrow. It is the whole frustration with the situation that annoys me the most.

[newmodarmy]

Let's hope you get a response from the insurer then before your telephone conference with your company's legal team- otherwise it may be a short telecon. Good luck.

[Ringlet]

I'm wondering what these companies will make of the role of the weather forecasts.  Will they point out that STorm Babet was widely predicted, and therefore you made arrangements to travel "at your own risk"?

I remember this happening some years ago, when a huge storm on boxing day in Northern Ireland caused disruption, and people who tried to get anywhere were blocked, injured or suffered damage to their cars.  Insurers dragged their feet over the "predictability" of the problems they encountered.  

Insurers will try to use anything to wriggle out of paying out.

[naomi24]

This could be why no one is entiertaining your claims.

 

//An act of God is an uncontrollable event, such as tornadoes, floods, or tsunamis, not caused nor controlled by humans. Insurance companies often limit or exclude coverage for acts of God. //

[GSD4ME]

Selected this but no-one really got everything correct - the telecon with the company's legal people went well and their advice was that the train company (LNER in this case) were liable for costs involved due to them not getting me to my destination, as this is what they were contracted to do. Got various monies back which was very welcome, including the missed one night's hotel cost