14 day 'cooling off' period and travel

marble

Hi,
I was wondering about this today and thought I'd ask. I'm not trying to 'scam' anyone, I just wondered if this is a legal thing to do.

I was looking at Direct Line's site, and they say you can cancel the travel insurance up to 14 days after buying it to get a full refund (for whatever reason). So, for my week on holiday, could I buy the insurance and then get a refund when I come back? Obviously, if I have to claim then I won't get a refund (but the premium will have paid for itself).

Is this legal? Any views on this would be appreciated. I suspect it is slightly dodgy, and something I'm not going to try (I have an annual policy which covers me even when I go camping in the new forest). Still, this forum is about money saving!

Al

sundancer101

"Please read the policy carefully. If, after reading the policy booklet, you decide that this insurance
is not suitable for you, please return your policy to the address shown on your policy schedule
within 14 days of receiving it. As long as you have not travelled on a journey, or you have not
made or intend to make any claim, we will cancel your policy and give you your money back."

There you go - you can't travel and then claim a refund, if you try to you are committing fraud !

marble

Ah, I should have read the terms and conditions more carefully. Thank you for that ... it seemed a bit dodgy as something to try.

Al

james10999

marble wrote: »

Ah, I should have read the terms and conditions more carefully. Thank you for that ... it seemed a bit dodgy as something to try.

Al

It's not dodgy - it's a great idea!

There is no way Direct line would be able to prove you've been on holiday if you wanted to cancel the insurance after you come back.

Go for it!

RibAd

I don't recommend on trying.... they may ask for evidence or why you have.

In any case, taking out an insurance policy, travelling and then trying to canx within the 14 days for a refund is FRAUD.