Travel Insurance claim rejected

williamh1 · 15 January 2007 at 11:39PM

I was caught up in the fog brouhaha in December when my connecting flight from Edinburgh to Gatwick was cancelled by Easyjet. My onward flight to Hong Kong out of Gatwick wasn't affected but I wasn't able to reach Gatwick in time to catch this second flight. Consequently I cancelled my accommodation, booked through Expedia, and my return flight but my insurer has rejected my claim for any of the cancellation charges for accommodation or HK flights. Easyjet have provided a full refund but that's a raltively minor part of the overall cost. Can anyone suggest a way forward? My initial thoughts are to press my claim with the insurance company and if no joy approach the Financial Services Ombudsman and if no joy there the small claims court.

Astaroth · 16 January 2007 at 10:22AM

What grounds have they rejected the claim under, who is the insurance with, if applicable, which level of policy did you have with them??

williamh1 · 16 January 2007 at 10:43AM

Astaroth wrote:

What grounds have they rejected the claim under, who is the insurance with, if applicable, which level of policy did you have with them??

Apparently, "the circumstances which have led to the cancellation of your journey do not fall within any of the specified causes listed"

The insurer is https://www.essentialtravel.co.uk and the policy was a standard cover one.

Andy_L · 16 January 2007 at 11:17AM

Link to the policy wording on there site doesn't work but, looking at my policy it would only pay for extra hotel/traveling expenses to get to my destination as a result of missed departure.

Astaroth · 16 January 2007 at 11:27AM

Unfortunately the holiday cancelled/ curtailment isnt covered by the standard level of cover but from Essential and above.

Under the cover you did buy the most you have is £600 cover for missed departure but this is only to repay additional costs you have had to pay out (eg a night in a hotel) and not for the cancellation of the pre-booked holiday/ transport.

Unfortunately I would suggest you simply didnt buy sufficient cover.

http://insurance.essentialtravel.co.uk/download/axa2006_policy.pdf

xzibit · 16 January 2007 at 11:27AM

Surely it is a missed departure? He missed the departure of his flight because of Easyjet. Though it's force majeure I suppose??

Astaroth · 16 January 2007 at 11:29AM

Bad weather would not be seen as something within EasyJets control

williamh1 · 16 January 2007 at 11:50AM

Actually, Easyjet refused to give a reason for the flight cancellation. Other flights were heading for Gatwick so I wonder if there was another reason for the cancellation - flight crew issuest etc.

Andy_L · 16 January 2007 at 12:42PM

xzibit wrote:

Surely it is a missed departure? He missed the departure of his flight because of Easyjet. Though it's force majeure I suppose??

Except as Astaroth points out that only pays for extra travel/hotel costs.

Holiday abandonment is what you want (which the op doesn't have at his level of cover), but even that wouldn't have helped as it's limited to travel from the final UK departure point (ie Gatwick for the OP)

Travel Insurance claim rejected

Comments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free