Nationwide FlexPlus travel insurance - per person excess?

pacontracting

magpiecottage wrote: »

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

I guess the OP is trying to argue that it shouldn't matter how many people are travelling / staying in the room - he bought the hotel room and he should be covered for the whole price of the hotel room - which I agree with.

How can the other party (i.e. the girlfriend) benefit from this arrangement financially. Even if she had her own travel insurance, she couldn't claim and the hotel room wasn't in her name (and is very likely not mentioned on any booking documentation).

Equally, on the Nationwide website (http://www.nationwide.co.uk/products/current-accounts/flexplus/insurances-and-benefits#xtab:travel-exclusions) it mentions key exclusions as being £50 excess on most claims. No mention of per person. If the policy document says differently - not very professional of Nationwide.

Quentin

pacontracting wrote: »

I guess the OP is trying to argue that it shouldn't matter how many people are travelling / staying in the room - he bought the hotel room and he should be covered for the whole price of the hotel room - which I agree with
.......

Although you are of course entitled to "agree" with the OP, all that agreeing with him will bring you is grief!


If you go on holiday with other people and expect your travel insurer to cover the whole party then expect a shock if you need to claim for anything that includes the other members of the party!


In this case his insurer looks to be agreeing his gf is covered as his "partner" and is prepared to pay the claim.


If he doesn't want her to be covered he can inform the insurer she is not his partner and they will only charge him one excess (and reduce his claim by 50%)

InsideInsurance

pacontracting wrote: »

How can the other party (i.e. the girlfriend) benefit from this arrangement financially. Even if she had her own travel insurance, she couldn't claim and the hotel room wasn't in her name (and is very likely not mentioned on any booking documentation).

Unfortunately that isnt how travel insurance works. When I booked my stag night I paid for the 6 hotel rooms up front myself and so any booking documentation was in my name that doesnt mean that my partners in crime could get away without insurance as I cannot claim for 6 hotel rooms on my one policy despite the fact they are all in my name

ronaldo7

InsideInsurance wrote: »

Unfortunately that isnt how travel insurance works. When I booked my stag night I paid for the 6 hotel rooms up front myself and so any booking documentation was in my name that doesnt mean that my partners in crime could get away without insurance as I cannot claim for 6 hotel rooms on my one policy despite the fact they are all in my name

Thanks all for your comments on this situation.

InsideInsurance is correct and this is how NationWide have handled my claim.

I could have argued that only I was covered and only pay one excess but then I would have only received 50% of the room cost.

Reluctantly I had to accept defeat on this occasion, resulting in a loss of over £100 (thank god I had insurance ey! :cool:)

Lesson learnt for the future I suppose - Always travel alone! I book double rooms because I like to have lots of space

Also, any 'rude' comments I may have made were only in response to 'rude' comments made to me.

Thanks again all for your help.

pacontracting

Quentin wrote: »

Although you are of course entitled to "agree" with the OP, all that agreeing with him will bring you is grief!


If you go on holiday with other people and expect your travel insurer to cover the whole party then expect a shock if you need to claim for anything that includes the other members of the party!

I made a claim a few months ago for cancellation (due to relation's illness) for 4 x flights and 4 x deposits for a cruise - essentially one booking covering my family.

The travel insurance paid out in full and charged me a £50 excess. Not 4 x £50. I don't know which outfit you buy your insurance from but please let me know so I can avoid them!

pacontracting

InsideInsurance wrote: »

Unfortunately that isnt how travel insurance works. When I booked my stag night I paid for the 6 hotel rooms up front myself and so any booking documentation was in my name that doesnt mean that my partners in crime could get away without insurance as I cannot claim for 6 hotel rooms on my one policy despite the fact they are all in my name

I don't think you can compare booking six rooms as being the same as booking one room as you obviously can't make use of six rooms at the same time. Equally, were I to book one room for a family of four - are you saying it would be fair for the insurance co to charge me 4 x £50! No wonder some insurance companies have a bad name.

In your case, my travel insurance would have covered me, my family and the five additional rooms if I were to cancel the trip ( this is a policy with AXA / IPA) providing all travellers were travelling with me and the cancellation meant none of my fellow travellers could continue the trip either - and I'd only be charged 1 x £50 excess!

There is no excuse for insurance companies to behave this way and not all insurers are the same!

InsideInsurance

pacontracting wrote: »

I don't think you can compare booking six rooms as being the same as booking one room as you obviously can't make use of six rooms at the same time. Equally, were I to book one room for a family of four - are you saying the insurance company would try to charge me 4 x £50! No wonder some insurance companies have a bad name.

There is no excuse for insurance companies to behave this way.

I've had a suite with more than 6 rooms before... now admit I didnt by any means use them all but evidently some people can otherwise why do they exist? So seems some people can make use of multiple rooms

Some policies the excess is per claim and some they are per claimant. Not all insurance is equal and not all insurance is the same price. If you want only one excess then get one worded that way.

This is a topic that the FOS has ruled on previously in particular the one that jumps to mind is when it was a claim for lost suitcase for a family and they admitted the bag contained things from all the members of the family. Unfortunately cannot easily find the case but from memory it was 2 adults and 1 or 2 children, the FOS partially upheld the complaint and said the insurer was entitled to deduct the excess for the two adults but not the kids.

pacontracting

InsideInsurance wrote: »

I've had a suite with more than 6 rooms before... now admit I didnt by any means use them all but evidently some people can otherwise why do they exist? So seems some people can make use of multiple rooms

It should be fairly obviously that the six rooms refers to six, separate, independently bookable rooms in a hotel - not a single 'suite' with six rooms.

This is why I post so little on this site - some of the comments are just ridiculous. I sometimes want to say 'Shhh - gown ups talking' but realise I'm onto a losing battle.

Sites like Flyer Talk are far more professional.

InsideInsurance

pacontracting wrote: »

Sites like Flyer Talk are far more professional.

Sorry to break it to you but there are many users here that are also on Flyer Talk, self included.

Unfortunately there are only so many ways you can explain the same thing especially when its multiple people saying the same thing. You therefore do get increasingly silly examples used when people still dont get it.

It is predominately fair that policy terms are applied as they are written. Most insurers win their complaints that are taken to the FOS however the FOS is there to judge the fairness of the terms/ their application should a complaint be escalated to them.

People will switch insurance to save less than £1 a year. When you get into such a price sensitive market then some insurers will come up with different ideas of how to reduce their costs to enable the product to be sold for less but still make the same overall profit. An easy way to do this is increase excesses hence you will find some policies where the excess is per claimant and some it will be per claim.

Fairness is a very subjective thing, lets take three examples and you tell me what would be the "fair" excess to be paid for each one. Total cost claimed in all three are the same. In each case its parents plus 2 late teens kids and the trip has to be cancelled:

1) Book 1 suite and are all insured under 1 policy
2) Book 3 rooms and are all insured under 1 policy
3) Book 3 rooms and are insured under 3 separate policies