Holiday after annual policy expires

Quentin

That article refers to disclosures at annual policy renewals.

The query raised in this thread is about a holiday commencing after a policy has expired that is not to be renewed.

vaio

Any renewal by definition only happens after a policy has expired and there could be many reasons why a policy is not renewed, in this case it's an employee leaving a job, it could be that the insurer decides not to do travel insurance any more or just changes their underwriting criteria.

That being said, I'd say case 49/3 is very similar to the OP's situation

Holiday booked to take place after policy ends, new medical issue arises between booking holiday and policy ending, insurer declines cover for new condition, FOS decision was that pre-emptive cancellation under the existing policy was fair even though cancellation wasn't medically necessary at the time of cancellation

Quentin

vaio wrote: »

.....That being said, I'd say case 49/3 is very similar to the OP's situation.....

Case 49/3 concerns an issue when renewing a policy!

The OP here states not going to renew the policy!

(But wants to renew 4 months early in later post #9???

A bit confusing!!)

vaio

Yep, and case 49/3 is a bloke whereas the OP is a girl but the general principles are the same and the decision from the FOS would probably be too.

Do you think the 49/3 outcome would have been different if the insurer had declined renewal altogether? How about if Mr G had not renewed?

I'd say the principle the case establishes is that if full cover is not available for a medical issue that arises post booking but pre loss of cover/expiry of the policy then the insurer on risk at the time of the issue occurring is liable for cancellation costs even if cancellation is not strictly medically necessary

Quentin

vaio wrote: »

How about if Mr G had not renewed?....

The OP is not renewing the current policy.

So no FOS 49/3 related issue applies!

lisyloo

Though your multi thousand pound policy may do so, as it's not a normal off the peg travel insurance policy

Ha ha fraid not. My employer always leaves it to the last minute.

in this case it's an employee leaving a job

I'm not leaving the job.
The travel insurance benefit is lapsing (for holidays not for business trips).

But wants to renew 4 months early in later post #9???

I can not renew my employers policy. It's not mine.
I was asking as a theorectical question so I'd know how to handle this for future reference as it appears to be a recurring issue for annual policies.

The OP is not renewing the current policy.

The insurer almost certainly does not know at this time (5 months in advance) that there is an intention not to renew.
So if there were a claim now, how would this current intention affect the outcome? (I am trying to persuade my employer to not withdraw this benefit - so it's possible they could do a U turn and change their mind).
It might not make any difference but the policy has been continually renewed for many years so they do have a record of renewing.

Quentin

lisyloo wrote: »

The insurer almost certainly does not know at this time (5 months in advance) that there is an intention not to renew.
So if there were a claim now, how would this current intention affect the outcome?.....

It won't.

Any proper claim between now and the expiry will be dealt with as normal.

(Your query was regarding what happens to any trip booked to start after the current policy ends)

(And if you were correct in your OP regarding the expiry date, there is less than 4 months to go!)

lisyloo

Any proper claim between now and the expiry will be dealt with as normal.

(Your query was regarding what happens to any trip booked to start after the current policy ends)

Thanks for all the help.

Sorry but I'm still confused as to what a "proper claim" means (which is why I don't like relying on just reading Ts & Cs because it relies on interpretation).

What I want to know is if I break my leg tomorrow and can't travel on 24/10 then will the policy that ends on 1/10 pay out?
Let's assume they know absolutely nothing about the possible intention not to renew in 4 months time (why would they?)

It appears that anyone with an annual multi-trip policy would not be able to renew this far in advance anyway.

BTW - I am asking them the question too.

Quentin

lisyloo wrote: »

.......Sorry but I'm still confused as to what a "proper claim" means ...........

What I want to know is if I break my leg tomorrow and can't travel on 24/10 then will the policy that ends on 1/10 pay out?...........

A "proper claim" is for something that the policy covers.

If you break your leg and are advised prior to 1/10 you cannot travel, (and the reason is covered by the policy), then they will pay out.

Your cover will end on 1/10, thus if you are advised not to travel after that date the insurer won't pay out.

As previously posted, the only way you can be sure your 24/10 trip will be fully covered is to take out a new policy now (single trip or annual)