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    • Startup1985
    • By Startup1985 7th Oct 16, 3:35 PM
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    Startup1985
    0 WOW
    Can we be compensated? Hurricane
    • #1
    • 7th Oct 16, 3:35 PM
    0 WOW
    Can we be compensated? Hurricane 7th Oct 16 at 3:35 PM
    Hi, we are currently caught up in hurricane Matthew in Florida and as such have been confined to our hotel room because of a state curfew which is meaning we are missing around 3 days of our week long holiday. All the theme parks are closed as well because of the hurricane so the £600 we paid for them tickets have gone to waste.
    We spoke to Thomas cook a few days back and told them we feel like it would be best if they could arrange for us to leave Florida before the hurricane came but they said there was nothing they could do because they didn't even know if it would hit even though the Florida governor had declared a state of emergency. Now we are confined to our hotel room and wasted half the holiday. I know a hurricane is not anyone's fault but this holiday took us a full year to afford and was supposed to be a holiday of a lifetime.
    We have full holiday insurance but can we claim anything from either the holiday insurance or Thomas cook?
Page 1
    • Browntoa
    • By Browntoa 7th Oct 16, 3:39 PM
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    Browntoa
    • #2
    • 7th Oct 16, 3:39 PM
    • #2
    • 7th Oct 16, 3:39 PM
    only if you have specific travel insurance cover for hurricane from your insurer
    I'm the Board Guide of the Referrers ,Telephones, Pensions , Shop Don't drop and Discount Code boards which means I'm a volunteer to help them run smoothly and I can move and merge posts there. However, please remember, board guides don't read every post. If you spot an inappropriate or illegal post please report it to forumteam@moneysavingexpert.com Any views are mine and not the official line of MoneySavingExpert.
    • bouncydog1
    • By bouncydog1 7th Oct 16, 4:00 PM
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    bouncydog1
    • #3
    • 7th Oct 16, 4:00 PM
    • #3
    • 7th Oct 16, 4:00 PM
    You may also find that, depending when you are scheduled to return to the UK, your tickets aren't wasted. We got caught up in the 2005 (I think) hurricane. We had to batten down similar to you.

    Our return flights were delayed by 5 days, because of the disruption so as the hurricane had passed, we were able to go out and about again and use our tickets.

    Our insurers paid all of the additional hotel expenses. Hire car company didn't charge us anything for the additional 5 days. Airline managing our connecting flights back to where we live from the UK, were great. THey just put us all on the next available flights at no charge.
    • Startup1985
    • By Startup1985 7th Oct 16, 4:08 PM
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    Startup1985
    • #4
    • 7th Oct 16, 4:08 PM
    • #4
    • 7th Oct 16, 4:08 PM
    Thanks that is great apart from the fact that we only budgeted enough money to last the original holiday term we don't have anywhere near enough to last extra days. The dream holiday that turned into a nightmare lol
    • balletshoes
    • By balletshoes 7th Oct 16, 4:40 PM
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    balletshoes
    • #5
    • 7th Oct 16, 4:40 PM
    • #5
    • 7th Oct 16, 4:40 PM
    isn't the curfew in Florida just for all day today and overnight? ie tomorrow there are flights coming into Florida airports again etc, and I believe (from the DIBB website) that the current curfew will end tomorrow morning?
    • leylandsunaddict
    • By leylandsunaddict 7th Oct 16, 5:13 PM
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    leylandsunaddict
    • #6
    • 7th Oct 16, 5:13 PM
    • #6
    • 7th Oct 16, 5:13 PM
    A hurricane isn't something you can claim compensation for, and most insurers don't cover 'acts of god'. It's a risk you take when you book to go away in the hurricane season. You know when you book it's a possibility. There are so many people been killed or injured, and homes and businesses destroyed that it seems rather heartless to ask about compensation for something that is no ones fault.

    You might have rather returned home, but they'll many more people who wouldn't want to, and they can't just put a flight on for a handful of people who want to curtail their holiday. TCX operated their flights to MCO yesterday as normal and todays have been delayed until tomorrow. The curfew was only from 10pm last night and is in place until 7am tomorrow.
    • Westin
    • By Westin 7th Oct 16, 5:20 PM
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    Westin
    • #7
    • 7th Oct 16, 5:20 PM
    • #7
    • 7th Oct 16, 5:20 PM
    I know a hurricane is not anyone's fault
    I think your own comment probably answers your question regarding seeking compensation.
    • ERICS MUM
    • By ERICS MUM 7th Oct 16, 5:58 PM
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    ERICS MUM
    • #8
    • 7th Oct 16, 5:58 PM
    • #8
    • 7th Oct 16, 5:58 PM
    Have you checked your travel insurance document to see what it says about 'natural disasters' ?

    As far as I can see, Thomas Cook have fulfilled the contract they have with you / they've got you to Florida, put you in the hotel and will fly you home again (even if unavoidably delayed).

    To get compensation it's usually necessary to identify the 'guilty party' that caused the problem.
    • ERICS MUM
    • By ERICS MUM 7th Oct 16, 6:01 PM
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    ERICS MUM
    • #9
    • 7th Oct 16, 6:01 PM
    • #9
    • 7th Oct 16, 6:01 PM
    The whole situation in Florida at the mo just shows how important it is to have access to emergency money, a credit card is best or a debit card to use your UK bank account for extra food etc.
    • Mr Wangers Wang
    • By Mr Wangers Wang 7th Oct 16, 6:40 PM
    • 55 Posts
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    Mr Wangers Wang
    One of them things.

    Go to a destination in Hurricane season, you can't really complain if there happens to be a hurricane.
    • lea2012
    • By lea2012 7th Oct 16, 6:40 PM
    • 576 Posts
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    lea2012
    From what I've read so far the theme parks shut at 5ish yesterday eve and are closed today but re-open tomorrow morning so that's only one day. I believe it's now been downgraded in some areas of florida now so the curfew has been lifted. It's a major pain yes but it's better to be safe than sorry and can't be helped.
    Lea :confused:
    • bigadaj
    • By bigadaj 8th Oct 16, 7:34 AM
    • 7,831 Posts
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    bigadaj
    Thanks that is great apart from the fact that we only budgeted enough money to last the original holiday term we don't have anywhere near enough to last extra days. The dream holiday that turned into a nightmare lol
    Originally posted by Startup1985
    If money really is that tight then you can't really afford the holiday in the first place.
    • Laz123
    • By Laz123 8th Oct 16, 8:00 AM
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    Laz123
    If money really is that tight then you can't really afford the holiday in the first place.
    Originally posted by bigadaj
    Yeah, you tell 'em. Forget the fact they've probably scrimped and saved for ages for a well deserved holiday and now God has kicked them in the face. Go on, matey, kick them some more while they're down on the ground.
    I like life. It's something to do.

    Ronnie Shakes
    • geoffken
    • By geoffken 8th Oct 16, 8:31 AM
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    geoffken
    Well if you spend £3 to 10 000 on a holiday (not sure how many kids in party) and have no money left for an extra day or 2 then what the hell happens if the car breaks down on the way back from the airport.
    It MUST be the height of irresponsibility to spend this and have NO back up funds for lifes slings and arrows.
    Sorry no sympathy.
    Last edited by geoffken; 08-10-2016 at 9:26 AM. Reason: spelling
    • pollypenny
    • By pollypenny 8th Oct 16, 9:23 AM
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    pollypenny
    One of the risks of going to Florida in the hurricane season.

    We were there for Hurricane Wilma, 2005. This was the Gulf Coast. We bought torches and food and sat in the apartment watching the huge grey waves.
    Member #14 of SKI-ers club

    Words, words, they're all we have to go by!.

    (Pity they are mangled by this autocorrect!)
    • bigadaj
    • By bigadaj 8th Oct 16, 12:53 PM
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    bigadaj
    Yeah, you tell 'em. Forget the fact they've probably scrimped and saved for ages for a well deserved holiday and now God has kicked them in the face. Go on, matey, kick them some more while they're down on the ground.
    Originally posted by Laz123
    Not criticism just an application of common sense.

    If the two grand spent on your holiday means you have less than £50 left in your account it means you can't afford it, nothing too do with anyone's feelings.

    We don't know whether they have scrimped and saved, or whether the holiday is well deserved or not, just that nit being able to afford a fairly minor change in circumstances means that an individual needs to do a little more planning and thought around their situation.

    Hurricanes aren't a unique event, certainly not this time of year and in that location, some more thought and planning wouldn't go amiss.
    • Doshwaster
    • By Doshwaster 8th Oct 16, 1:13 PM
    • 4,425 Posts
    • 3,541 Thanks
    Doshwaster
    Well if you spend £3 to 10 000 on a holiday (not sure how many kids in party) and have no money left for an extra day or 2 then what the hell happens if the car breaks down on the way back from the airport.
    It MUST be the height of irresponsibility to spend this and have NO back up funds for lifes slings and arrows.
    Sorry no sympathy.
    Originally posted by geoffken
    I do have some sympathy but at the same time I wouldn't dream of leaving the house - never mind the country - without a credit card or access to some extra funds in the case of emergency. It always amaze me that you see these travel shows where people find themselves "stranded" in a resort or airport without any money because their flight was delayed.

    Airlines and tour operators will do what they can to help but you still need to take some responsibility for yourself. Even if you are on an all inclusive holiday, an emergency credit card is one of the most important things you can pack.
    • Laz123
    • By Laz123 9th Oct 16, 8:11 AM
    • 1,381 Posts
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    Laz123
    Not criticism just an application of common sense.

    If the two grand spent on your holiday means you have less than £50 left in your account it means you can't afford it, nothing too do with anyone's feelings.

    We don't know whether they have scrimped and saved, or whether the holiday is well deserved or not, just that nit being able to afford a fairly minor change in circumstances means that an individual needs to do a little more planning and thought around their situation.

    Hurricanes aren't a unique event, certainly not this time of year and in that location, some more thought and planning wouldn't go amiss.
    Originally posted by bigadaj
    I don't know if you've noticed but we're all different in this human race of ours. Some people aren't as bright as others. Not everyone has the capacity to be a university professor. Some can't pre-plan whereas others can. Now you and I probably have the intellect to be rocket scientists and if we put our superhuman minds together we'd invariably reach the stars but not everyone is built the same way. But I don't think it's terribly helpful to criticise those whose plight has been brought about by lack of foresight.

    You know, hindsight is a great illuminator. It teaches us as we pave our way through this adventure called life to try not to make the same mistakes over and over again.

    So I would point out in a kind of friendly sort of way that being superior only makes us feel better at someone else's expense for a short period of time. I'll leave you with a little something to reflect on:

    Schadenfreude (/ˈʃɑːdənfrɔɪdᵊ/; German: [ˈʃaːdn̩ˌfʁɔɪdə] ( listen); lit. 'harm-joy') is pleasure derived from the misfortune of others.
    I like life. It's something to do.

    Ronnie Shakes
    • christaitfife
    • By christaitfife 9th Oct 16, 9:30 AM
    • 127 Posts
    • 94 Thanks
    christaitfife
    This conversation is getting quite nasty.

    Whether you go to the next town or the other side f the world we all know we should have enough back-up funds to be able to get us home. Lets be honest, who has been in a situation where they have spent everything on holiday or a trip to the shops - I have. I know I shouldn't have, but I have.

    The OP will not get compensation as know one is to blame for the storm. To claim compensation normally someone has to be liable. They may get pay back from there insurance if it covers such eventualities.

    I hate credit cards (I had a couple as a student, and am still repaying :S), but in situations where you are traveling abroad, they are a fantastic back-up. Perhaps it would be a good thought for the future.

    I hope everything gets better soon and you get home. Lets face it - our wind and rain is miserable and persistant but I would take it over a hurricane anyday!
    • bigadaj
    • By bigadaj 9th Oct 16, 9:33 AM
    • 7,831 Posts
    • 4,776 Thanks
    bigadaj
    I don't know if you've noticed but we're all different in this human race of ours. Some people aren't as bright as others. Not everyone has the capacity to be a university professor. Some can't pre-plan whereas others can. Now you and I probably have the intellect to be rocket scientists and if we put our superhuman minds together we'd invariably reach the stars but not everyone is built the same way. But I don't think it's terribly helpful to criticise those whose plight has been brought about by lack of foresight.

    You know, hindsight is a great illuminator. It teaches us as we pave our way through this adventure called life to try not to make the same mistakes over and over again.

    So I would point out in a kind of friendly sort of way that being superior only makes us feel better at someone else's expense for a short period of time. I'll leave you with a little something to reflect on:

    Schadenfreude (/ˈʃɑːdənfrɔɪdᵊ/; German: [ˈʃaːdn̩ˌfʁɔɪdə] ( listen); lit. 'harm-joy') is pleasure derived from the misfortune of others.
    Originally posted by Laz123
    Not at all, this is an eminently predictable event that would have to be allowed for, by no means certain or even probable but a definite possibility.

    Schadenfreude doesn't apply, I have sympathy for people in a difficult situation but that is moderated by the actual situation and the planning, precautions and fall back options that exist.

    My view is that is you can't afford a couple of extra days when soemthing goes wrong on a holiday then you probably can't afford it, others views may differ but there are unfortunately consequences to actions, or indeed inaction, hopefully people live and learn for their experiences but there is no guarantee of that either.
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