Simple Travel Insurance question

FH_Brit

Does it EVER hurt to get it in writing???
I am sure Don is happier now he has confirmation from his INSURER and not people here that THINK they can advise on every policy in the world. As it is the IC who will decide to pay or deny any claim and note MSE posters.

Quentin

What is your point? (Other than trying to start an argument?)

I have tried to explain the "catch" with annual policies when the trip takes place after the policy is due to be renewed. This "catch" applies whether or not the policy is renewed or taken out as new!

The fact that they have put in writing that the policy has been renewed doesn't get round the "catch" - all existing conditions have to be declared at the date of renewal, and this can cause a problem if something new has turned up since the date the trip was originally booked!

FH_Brit

But your "catch" is irrelevant - Don already has a reply from the people that matter, in writing and anything else does not matter, so what was your point quoting me if not to start something off?

Getting something clarified by the policy issuers is ALWAYS good common sense, if after this, an insurer denies coverage because it was not counted as a renewal, I am absolutely possitive the FOS will uphold ANY complaint that the policy holder has.

End of worry regarding that (renewal/new policy) point!

Declarations is something different. Don does not have to declare his Father's condition if he has no intention of making a claim should (God forbid) anything hapen to Dad. He only has to declare it if he would claim for the holiday should he have to return early or cancel the trip altogether (His choice).

Don - if you feel that Dad's illness may change your holiday plans, then you should clarify that with your insurers also (and get it in writing) that you have informed them of close relative medical condition (you may have to tell them what happened to Dad).

Quentin

FH_Brit wrote: »

End of worry regarding that (renewal/new policy) point!

My point is far from irrelevant.

What is relevant to the discussion is whether the relative's recently diagnosed condition is covered by the renewal.

As I have pointed out, whether the policy is a renewal or a new one is irrelevant to that!

You have to make your declarations at the inception and at each renewal of an annual policy. Thus till the relative's condition is declared and accepted as being covered, any claim as a result of the relative's condition won't be covered.

FH_Brit

But that's DON's decision, it may increase his premiums more than he thinks worth paying to cover the illness of his Dad (and he may have been told that it needs meds but nothing more and therefore will not affect his holiday). I have answered his point as regard to if his policy will be counted as a renewal ONLY, as I have stated, the disclosure of Dad's condition is up to Don.

I am not going to be drawn into an argument with you as you are attempting to use my comments on renewal/replacement with regard to PEMC declaration of near relative - two entirely different subjects.

I stand by what I have said, and there would be a lot less complaints about insurers if policy holders did what Don has done, got clarification, in advance, in writing, of any point of their policy that they may not be clear of.

Lets face it, a policy is a legal contract and ANY clarification can support any complaint - that is not a bad thing under any circumstances.

I am not commenting anymore - I advised, Don done what HE thought he needed, nothing else matters!

Quentin

FH_Brit wrote: »

I am not commenting anymore - I advised, Don done what HE thought he needed, nothing else matters!

Don's concern was whether the policy was "new" or a "renewal".

Why?

Because he (wrongly, as I have pointed out) thought that a renewal meant his original policy would just continue, and the recently diagnosed condition of his relative would therefore continue to be covered, whereas a "new" policy would mean having to declare this condition, which may or not subsequently be covered.

I am not commenting anymore

Good.

I have attempted to point out to the OP that it makes no difference at all whether the policy is new or a renewal, the new condition needs to be declared for cover to be given under the new policy.

Your repeated arguments will just confuse.

I suggest the OP check the wording on his policy to confirm that he does need to make declarations at inception AND renewal of his annual policy. Just the same as if he bought a "new" one each year.