Travel Insurance - Help please?

dacouch

I don't think the Ombudsman will view it as sympathetically as you but it's always worth a try as the Ombudsman has a habit of siding with the consumer.

The only similar FOS case I could find is 29/6 http://www.financial-ombudsman.org.uk/publications/ombudsman-news/29/29-travel.htm

It could also hinge on the exact wording of the OP's own policy which may or may not have a more strict or specific wording relating to the OP's situation

Also this advice

"policy start date

When asked when the policy should start, many policyholders say the start date of their holiday, rather than the day they booked the holiday. This can become a problem when the policyholder has to cancel the holiday before they go. In these circumstances, the insurer may refuse to pay any cancellation costs because the policy cover hasn't actually started.

As this can have significant consequences for policyholders, we expect insurers and insurance sellers to bring the importance of the policy start date to policyholders' attention when they are buying or renewing their insurance policy."

http://www.financial-ombudsman.org.uk/publications/technical_notes/travel-insurance.htm