uk holiday ins claim

xyellowx

hi hope this is in the right place,

booked a holiday and paid in full with insurance (i paid on my debit card )to lake district through cottages4you for 5 adults 2kids 5 bedroom premises (me/ wife kids /mother father inlaw and wifes nan)
monday night had to take nan up hospital because she had hurt knee (torn mussle and tissue damage shes 83) so now we cant go as she would be left on her own house bound and wife and father inlaw wont allow this as expected.
phoned cottages4you and there telling me because its my nan inlaw i might not be able to claim? she was a member of the group and cant go and due to her injury we cant leave her on her own, they even asked me if i can pay sombody to come and look after her:mad:
they told me to fill in a claim form and i might get my money back if its found to be a exceptable reason think there giong to try and not pay any ideas please hol 4-11th sep

lisyloo

Could she go in a wheelchair?
(A bin bag is great for getting oldies into the car. The two layers of the bag will move against each other making it easy to twist her round).

Does the entire party have to stay behind?
A lot of insurance companies would not pay for the entire party to stay behind and this does seem unnecessary.

Do you have a policy you can look at to check what it says?

xyellowx

she cant go anywhere she cant walk and in a lot of pain even on pain killers she 83 and my wife and farther inlaw look after her no way would they go on holidays and leave her on her own in this state
they didnt sent me a policy and were not to helpful on the phone (i will look at the policy on website

missile

My sympathies. It would be cruel to leave her behind.

Which travel insurance company? What does it say in the policy?

As I have found to my cost cheapest is not always best.

lisyloo

Bad luck, I sympathise.
Now is when you will find out how good your insurance company is.

Good luck, hope it works out ok.

If you can state the company we might be able to find something.

xyellowx

have checked policy online it states illness as a reason provided medical confirmation stating unfit to travel is supplied with claim.
all i have had off cottages 4 you is a booking confirmation and accomadation details which came last week. the insurance cost £27.00 which was recommended by cottages 4 you, dont know who it is with have not recieved any insurance documents.

cottages 4 you have told me they will email me a claim form still waiting. starting to panic now they dont seem to be playing ball.

have told them willing to move the dates to christmas time as we still want a week away.

Quentin

Does the policy cover all members of the party (ie. can they all cancel if one is taken ill?).

xyellowx

if ive read it correctly yes

xyellowx

just phoned cottages 4you again
insurance company is mondial assistance
the holiday was paid as a unit price not per person so lady ive just spoke to seems to think full money back less £97 admin /excess no problems
(strange how 2 people working for same company can give completly different advise)
email claim form can take up to 24hrs to receive
fingers crossed

xyellowx

latest update sent medical form off friday 27th aug less than 2 weeks later received letter this morning money being sent back to my bank less admin/booking fee

will book again with cottages4u and although i didnt get reasured to begin with they dealt with the claim promptly