Legal protection cover with contents insurance

suelees1

What the hell does this cover you for?

I'm currently liaising with Monarch regarding a claim for compensation for a flight delay as per EC Reg 261/2004. I'm pre-empting Monarch not playing ball!

I phoned my insurance company to query whether I'd get legal assistance for advice and assistance with issuing a county court claim. They didn't know and put me through to the solicitors they use. Firstly I was told no as the legal protection was for issues relating to consumer law. When I insisted this was consumer law I was then told because the flight delay was over 90 days ago they couldn't help.

I just despise insurance companies :mad:

Quentin

If there is no time limit from the date of the incident to make a claim then make a formal complaint and take it from the reply, escalating if necessary.

rs65

It's not unreasonable for an insurer to be informed of a claim within a reasonable timeframe.

Mine says - as soon as possible, and always within 180 days.

suelees1

rs65 wrote: »

It's not unreasonable for an insurer to be informed of a claim within a reasonable timeframe.

Mine says - as soon as possible, and always within 180 days.

I know all about Wednesbury reasonableness. The definitive EC court ruling was October 2012. My flight delay was Nov 2011. I'd twice written to Monarch but all cases were stayed until that final hearing. Before then no-one had any idea which way it would go so what would have been the point of issuing a claim. According to the Limitation Act claims must be brought within 6 years.

suelees1

rs65 wrote: »

It's not unreasonable for an insurer to be informed of a claim within a reasonable timeframe.

Mine says - as soon as possible, and always within 180 days.

I know all about Wednesbury reasonableness. The definitive EC court ruling was October 2012. My flight delay was Nov 2011. I'd twice written to Monarch after the incident but all cases were stayed until that final hearing. Before then no-one had any idea which way it would go so what would have been the point of issuing a frivolous claim. According to the Limitation Act claims must be brought within 6 years.

rs65

I'm not sure what Wednesbury has to do with it.

Insurers require to be notified within a certain timeframe. You are not expected to issue a frivolous claim - just notify insurers that something has happened that may give rise to a claim.

You may get useful info on the travel section of the forum.

suelees1

Thanks rs65, I'm already on the Monarch forum about these claims for flight delays. I posted on this forum because it was in relation to Dialdirect through whom I insure my home contents (and with which I have legal protection cover). It's this which has irked me about this really. The fact that the insurer hadn't a clue what the legal protection cover was just said it all

I only mentioned the Wednesbury principle because the decision could be deemed to be so unreasonable (or irrational) if it is so unreasonable that no reasonable person acting reasonably could have made it (Associated Provincial Picture Houses Ltd v Wednesbury Corporation (1948) 1 KB 223).

A lot of unreasonablenesses/reasonables in there eh