Quizzes & Puzzles1 min ago
Travel Insurance Claim
9 Answers
A friend and three other people were booked on a holiday - not a package, just flights, car hire and an apartment.
My friend was unable to fly (and has the necessary medical certificate as proof) - as he was the only driver this effectively scuppered the holiday. Fortunately he was able to cancel the car and apartment at no cost to himself.
So the only loss is a total of around £400 in low cost air fares.
All four travellers have separate individual travel insurance (annual policies) - with an excess of £100 each.
So if they each have to claim separately they will get back precisely .... nothing.
My friend feels this is wrong - it was his illness which caused the holiday to be cancelled and therefore all the costs of cancellation are down by him - he will have to refund the other travellers their £100 each.
So he is about to claim for the entire £400 flights cost on his own policy (less of course the £100 excess) - fortunately he did actually pay the flights bill himself when the booking was made.
Morally I think he is correct, but what will the insurance company make of it?
Has anyone had a similar situation? Does anyone know the law (if there is one) on this matter?
Thanks
Dave
My friend was unable to fly (and has the necessary medical certificate as proof) - as he was the only driver this effectively scuppered the holiday. Fortunately he was able to cancel the car and apartment at no cost to himself.
So the only loss is a total of around £400 in low cost air fares.
All four travellers have separate individual travel insurance (annual policies) - with an excess of £100 each.
So if they each have to claim separately they will get back precisely .... nothing.
My friend feels this is wrong - it was his illness which caused the holiday to be cancelled and therefore all the costs of cancellation are down by him - he will have to refund the other travellers their £100 each.
So he is about to claim for the entire £400 flights cost on his own policy (less of course the £100 excess) - fortunately he did actually pay the flights bill himself when the booking was made.
Morally I think he is correct, but what will the insurance company make of it?
Has anyone had a similar situation? Does anyone know the law (if there is one) on this matter?
Thanks
Dave
Answers
Best Answer
No best answer has yet been selected by sunny-dave. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.From the insurer's point of view it's not that they can't travel (for insurable reasons) but that they no longer want to. They could still take the holiday, they'd just have to take buses (or whatever). They have my sympathy, but it doesn't sound as if anyone paid the insurer to cover this eventuality.