Cancelled flights on return from holiday- insurance doesn't cover it?

peachyprice

tomtontom wrote: »

I've scanned the policy also, it does not appear to cover inbound travel.

It would have been nice for them to state it in black and white though, not leave travellers to realise that there's just no section for it :rotfl:

InsideInsurance

peachyprice wrote: »

It would have been nice for them to state it in black and white though, not leave travellers to realise that there's just no section for it :rotfl:

Insurance covers what it says it covers. It doesnt cover anything that it doesnt say it covers. As such they dont write long lists of every possible occurrence that they dont cover because its unnecessary and indeed by putting in a partial list could give people an argument that the lack of their particular circumstances not being in the list that they could reasonably expect it to be covered.


The policy is very explicit in that it only covers you missing your flight for the outbound. Its not just labeled "Flight cover" with small print then limiting it to outbound only but the whole section is called "Missed Departure on The Outward Journey". There is an obvious and total absence of a Missed Departure on The Inward Journey section.

InsideInsurance

Jonboy1889 wrote: »

I couldn't have done it all in one as I had a wedding in auckland first, then flew down to QT after a few days

That doesnt prevent it being a through ticket. When I went to India my outbound ticket was to Goa and my inbound from Delhi for the same reason. I chose to use a budget airline for my mid holiday flight up to Delhi but the airline was willing to do a three leg ticket if I wanted it.

peachyprice

InsideInsurance wrote: »

The policy is very explicit in that it only covers you missing your flight for the outbound. Its not just labeled "Flight cover" with small print then limiting it to outbound only but the whole section is called "Missed Departure on The Outward Journey". There is an obvious and total absence of a Missed Departure on The Inward Journey section.

Which you won't necessarily notice until you need it.

Most people go straight to the exclusions section to find what is not covered, there's no mention of it there, which I feel there should be in the name of transparency. It's an unusual thing to be left out of an insurance policy, it deserves a mention. IMO.

DTDfanBoy

peachyprice wrote: »

Which you won't necessarily notice until you need it.

Most people go straight to the exclusions section to find what is not covered, there's no mention of it there, which I feel there should be in the name of transparency. It's an unusual thing to be left out of an insurance policy, it deserves a mention. IMO.

The vast majority of policies wouldn't have covered the OP in this situation, it's pretty much impossible to find coverage for unlinked internal flights, which is why it pays to leave a good margin in your travel plans or ensure that the flights are linked, which isn't always possible.

For anyone else planning a trip to or from Queenstown the weather is very changeable in that neck of the woods, keep a close eye on it and allow enough time to get yourself to Dunedin or Christchurch if you're flying on separate tickets

And avoid the Air New Zealand Link planes as they'll often be unable to land or take-off while the bigger planes remain unaffected.

InsideInsurance

peachyprice wrote: »

Which you won't necessarily notice until you need it.

Most people go straight to the exclusions section to find what is not covered, there's no mention of it there, which I feel there should be in the name of transparency. It's an unusual thing to be left out of an insurance policy, it deserves a mention. IMO.

I suspect most people dont actually look at any sections of their policy having seen the statistics from insurers websites/ complaints etc.

You need to read all sections no matter how tedious it is. The Exclusions Section only includes things that you may reasonably have considered covered by the "Covered" Section. For anything that simply isnt possibly implied by the Covered Section then the policy will remain silent on other than possibly a catch all statement that anything not stated as covered isnt.

malkie76

Jonboy1889 wrote: »

I left 6 hours in Auckland- so it left 3 hours to spare up there. Thing is, regsrdless of Jetstar getting me another flight there (which wasn't available until Saturday anyways!) Cathay still don't have an economy flight until mid next week

I couldn't have done it all in one as I had a wedding in auckland first, then flew down to QT after a few days


I agree- I had a look through and it isn't in the exclusions either!

Which is weird as in the insurefor terms (who underwrite protect your bubble) offer a cover for any flight change, but PYB don't

It's a bit vague

Thanks for your help and insight- what do u think I should do? Should I write when I get back? At the end of the day I am going to have to fork out £1.2k for a different airline because I cannot afford to wait 9 days anyways (financially and practically)

You could have still managed this on a single ticket itinerary.

Jonboy1889

malkie76 wrote: »

You could have still managed this on a single ticket itinerary.

Cathay Pacific don't let you do a multicity/stop over which includes a flight from Auckland to Queenstown - so there are limitations to this approach. I would have had to have flown with a different airline (and paid more- but worth knowing for next time!)

malkie76

Jetstar codeshare with Cathay according to their website. Air Zealand operate this route too. I guess you live and learn, but you've highlighted the issue of using multiple airlines not on one ticket.

Voyager2002

I just wonder whether you would get anywhere making a claim on the basis that extreme weather conditions prevented you from getting to the airport to catch your flight home, rather than simply a cancelled domestic flight.