The policy wasn't in effect at the time of the event you're trying to claim for, they're right I'm afraid. You shouldn't time travel policies to the limit of when you travel.
This may be correct legally, but it just goes to show what a confidence trick much of the insurance business is.
This man made a genuine attempt to purchase insurance. Now that there is a claim the insurance company is denying him.
Leo says "you shouldn't time travel policies". What does that mean, do you have to have a solicitor to buy travel insurance.
The policy wasn't in effect at the time of the event you're trying to claim for, they're right I'm afraid. You shouldn't time travel policies to the limit of when you travel.
Like all insurance policies, you can only claim for events that occur during the insured period. If I took out a new motor policy and requested the start date to be in a months time, why should I expect the insurance company to pay out if I have an accident the next day?
For travel insurance, you need the policy to commence in advance of the day you fly out, so you are covered for events such as the above.
I don't agree with this. Your mothers broken foot is not the event you are claiming for so I don't see how the timing of your mothers broken foot is important as long as you booked the travel insurance before it happened.
The event is the incurrence of the travel costs on 29th June, on the basis that she cannot fly on 29th, which is after the start date (28th). The reason why she cannot travel is the broken foot which occurred after you booked the travel insurance.
Suggest that you read the terms and conditions closely and reject the insurance company approach.
Lads, everyone calm down. I think people need to be a little clearer in their questions in relation to dates.
If you go to purchase travel insurance and it asks you for the dates of travel and you state they are 28th June until 14th July and you have purchased this cover on the 1st June, then any insured event that occurs in the period leading up to travel from June 1st would be covered.
I'm no fan of the insurance industry, but that's a bit harsh. It's far from a confidence trick, it's clearly laid out in the terms and conditions of such policies. You get two weeks cooling-off period to review those T&Cs.
Sorry Leo I must skipped over that.
Then yes OP you are stuck. You chose the purchase date of the policy. You should always chose the date you book to travel as the start date
So its a case of, you didn't know that, tough luck! Is that reasonable?
What different people consider reasonable can vary widely. When taking out insurance, you need to ask enough questions to ensure the cover you are getting is appropriate for your needs and also read the T&Cs to make sure you're happy with them.
But you don't know what your needs will be in advance, thats why you buy insurance. You can't ask questions about everything. You buy insurance for your holiday, you expect to covered.
Thanks all, and thanks for your support Cremeegg. We will be challenging this anyway, if there are any developments I'll put them up here.
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