She cancelled the flight on the 26 June when she got back from the hospital and when she went to claim on her insurance, they said that since the timing of the cancellation fell outside the policy, they wouldn't be covering her.
Many travel policies here are underwritten by ACE, their terms & conditions are available [broken link removed]. They advise when taking out a single trip policy, that the policy should start at the time of booking the trip, or the date you take out the policy, not just before you travel. Only events that result in the curtailment or cancellation of a trip that occur within the policy period are covered.
Leo, my reading of the ACE t&cs suggests that an event that occurs after the policy is bought or taken out which leads to cancellation is covered, para 1.4
1.4 WHEN COVER OPERATES FOR A HOLIDAY
i. Insurance cover for Cancellation under
Part III Section 1 – Cancellation, Curtailment and Rearrangement
begins when a
Holiday is booked, if this Policy is in force at the time of booking, or when you purchase this
Policy. (my italics and underlining)
Goodness me this is so tricky. It seems to me she therefore should not have cancelled prior to the 28th June to be covered. 28th June being the start date of cover.
.
The policy link provided by Leo on the previous page makes a clear distinction between the date of purchase from which cancellation is covered, and the cover period for other claims which in this case is 28th. Under that policy cancellation is covered from date of purchase.
Period of Insurance
For single trip cover:
The period of cover commencing at 00.01 or any later time the Policy Schedule is
issued and ending either when You arrive at Your return destination in Ireland , or
at the end of the trip duration shown on Your Policy Schedule, whichever is sooner.
Dates refer to Local Standard Time at Your address as shown in the PolicySchedule
Agree!All smells a little dodgy to me.
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?