Nationwide FlexPlus travel insurance - per person excess?

ronaldo7

dacouch wrote: »

What did you tell the Insurers when they asked you or when you completed the claim form regarding who was your party?

Did you refer to "Us" or my "Guest"

They asked me if I was travelling alone to which I said no, I was travelling with my girlfriend.

There was no mention of where she was staying just merely that she was on the same train travelling to France.

Quentin

covering her FOC is not an advantage for me as I would be paying a £50 excess for her....

Of course it's to your advantage - otherwise she needed to have bought her own policy!


As it stands you will be reimbursed the full cost of the room (not just half were she not covered)

InsideInsurance

ronaldo7 wrote: »

They asked me if I was travelling alone to which I said no, I was travelling with my girlfriend.

There was no mention of where she was staying just merely that she was on the same train travelling to France.

If you wanted to get pedantic then no one travels alone when going by train/ plane unless you own a private jet.

The question is meant to be are you sharing your holiday with anyone else not is anyone else on your mode of transport. You seem however to have worked that out for yourself by only declaring the person that traveled with you and shared your room not everyone else that happened to be on the train.

When I had a claim for a delayed flight it coincidentally happened that friends were on the same flight but we werent travelling with them, werent staying together or even flying back on the same flight so when asked who did I travel with it was simply wife and I

You can get more complex situations where you are with someone for part of your holiday but they leave before you etc but then you'd most likely clarify this complexity when discussing it with them

pacontracting

Just goes to show you have to be so careful with insurance.

My annual policy ( with AXA via a credit card) has a single £50 excess per claim, no matter how many people are travelling so long as it's the same trip ( family and up to five friends).

When insurers start getting pedantic, you know it's time to leave. Based on what you say, were I in your position, I would have had to fork out £200 in excess were my family travelling. That's more than most hotel rooms!

agrinnall

I think you'll need to find definitive definitions of "girlfriend" and "partner" and try to convince them that for the purposes of the claim the two terms are not synonymous - good luck with that!

InsideInsurance

agrinnall wrote: »

I think you'll need to find definitive definitions of "girlfriend" and "partner" and try to convince them that for the purposes of the claim the two terms are not synonymous - good luck with that!

The definition is in the policybook and is one of the simplier ones - from memory and not quoting verbatum, basically cohabiting as a couple irrespective of marriage or gender.

Guessing the OP's g/friend doesnt live with him so doesnt meet the requirement meaning 1 excess but only 1/2 the hotel fee claimable.

dacouch

InsideInsurance wrote: »

The definition is in the policybook and is one of the simplier ones - from memory and not quoting verbatum, basically cohabiting as a couple irrespective of marriage or gender.

Guessing the OP's g/friend doesnt live with him so doesnt meet the requirement meaning 1 excess but only 1/2 the hotel fee claimable.

I guess the girlfriend merely occupies the same bed sometimes.

I don't know why you lot are trying to help someone who is being so rude to you

InsideInsurance

dacouch wrote: »

I don't know why you lot are trying to help someone who is being so rude to you

If I didnt, there would be very few people that receive my help :beer:

magpiecottage

dacouch wrote: »

I guess the girlfriend merely occupies the same bed sometimes.

I guess the OP is trying to argue that one of them planned to sleep on the sofa in Paris.

rs65

ronaldo7 wrote: »

It depends on the definition of 'partner', to which I would assume they mean married partner (husband/wife). Otherwise how else would they define 'partner'? If I travelled with my best mate's cousin's brother called Bob, would he also be my partner?

I would assume they would refer to married partners as spouses. Hence, partners would not be married.