Holiday insurance dilemma! What should I do?

meema4788

I was asked a while ago to book holiday insurance for a relative and their friend. I sorted out the insurance for my relative but didn't have all the details for their friend. I eventually got the details and had it on my list of things to do. They paid the premium to my relative but I didn't get round to doing the insurance. The friend has since been assaulted and due to his injuries is unable to go on holiday. I feel really bad that I didn't get round to sorting it before the assault. He can't go on holiday and isn't going to be able to get the cost of his holiday back! What should I do?

richardw

If the assaulter is to blame for the injuries, can they bring a claim against them?

mcfisco

How long was it on your 'to do' list?
ie were you just a bit tardy or totally remiss?

You can't really be expected to pay anything other than the premium back but it sure is a sticky dilemma you have.

opinions4u

Why were these people unable to organise their own holiday and insurance?

maman

I doubt there's anything you can do retrospectively.
What about you go on the holiday yourself and pay the person out of your own pocket. That way the only expense would be any necessary admin charge to change names (although sadly these can be hefty:().

meema4788

I was due to sort it last weekend and the assault happened on Friday night! Typical! Giving the premium back isn't an issue cos my relative still has that. I can't go and don't want to go on the holiday!

mcfisco

Well the assault happened before you were due to do it so I think you have a clear conscience on this one.

Dunroamin

meema4788 wrote: »

I was due to sort it last weekend and the assault happened on Friday night! Typical! Giving the premium back isn't an issue cos my relative still has that. I can't go and don't want to go on the holiday!

You said in your first post that you were asked to do this a while ago - I think you should pay for the holiday.

victor2

It does sound like the friend was relying on you to sort out the insurance, as they had already paid your relative for it. Why, is not clear, maybe it was believed you could get a good deal for them?
Did the friend assume it was all sorted, and it was a case of you not getting around to it. The friend has probably learned the hard way that you have to make sure everything is arranged. You may have let them down, by not sorting it out as expected. Presumably no contractual agreement was made, but if the absence of an insurance policy is purely down to your lack of action, I'd say you should at least show some concern for the friend and if you can't reimburse them, help try to find another friend of you relative to take the holiday, at no cost to the injured one.

Alternatively, if the friend was aware you hadn't yet sorted it, then they should have been pressuring you or insisting on sorting it out themselves.

photome

meema4788 wrote: »

I was due to sort it last weekend and the assault happened on Friday night! Typical! Giving the premium back isn't an issue cos my relative still has that. I can't go and don't want to go on the holiday!

were you only due to sort it at weekend? your first post said a while ago!

Why were you sorting it?

If the friend had paid and you were supposed to sort it a while ago, then morally I think you should pay what is owed, less what the insurance company would have kept.On the other hand if he knew you were sorting it on saturday and he got assaulted on friday your conscience is clear

Of course legally I doubt there is anything the friend can do