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

InsideInsurance

Voyager2002 wrote: »

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.

No, the policy only covers missing outbound flights. No cover at all for missing inbound flights outside of medical claims.

peachyprice

InsideInsurance wrote: »

The Exclusions Section only includes things that you may reasonably have considered covered by the "Covered" Section.

Yes, my point exactly.

I would expect missed departure to be covered both ways. Wouldn't most people? Which is why, if it's a fundamental exception to the norm, I would have thought it should have been highlighted in the 'exclusions' section.

Having looked at the policies I have/have had, not one of them specifies that missed departures only covers outbound travel.

InsideInsurance

peachyprice wrote: »

Yes, my point exactly.

I would expect missed departure to be covered both ways. Wouldn't most people? Which is why, if it's a fundamental exception to the norm, I would have thought it should have been highlighted in the 'exclusions' section.

Having looked at the policies I have/have had, not one of them specifies that missed departures only covers outbound travel.

So you would have expect the "Missed Departure on The Outward Journey" to cover your inward journey????

I didnt say they have to say anything that's excluded that you may have thought is covered by the words "travel insurance" but anything that you may think is covered having read the actual policy itself and what it states it covers.

Eg, Cancellation cover if a member of your Family is taken ill. Exclusion - pre-existing conditions. It wont state an exclusion is also if they get locked up for a crime because that isnt possibly interpreted as being covered by what the wording says is covered.

We get plenty of questions on this forum if Travel Insurance will cover if you split up/ fall out with your travel companions and a host of other scenarios so clearly what is covered in different peoples mind varies vastly and there is no way an insurer could cover every single one. If they attempt to cover "most" then they get into trouble by creating a prescience and so if another uncovered scenario occurs that isnt in the list of exclusions the person may have arguement to say it should be covered.


If you look at HNW policies they do tend to be written on a All Risks basis and in these cases basically things are covered by default and only not covered if they are explicitly included in the exclusions.

DTDfanBoy

peachyprice wrote: »

Yes, my point exactly.

I would expect missed departure to be covered both ways. Wouldn't most people? Which is why, if it's a fundamental exception to the norm, I would have thought it should have been highlighted in the 'exclusions' section.

Having looked at the policies I have/have had, not one of them specifies that missed departures only covers outbound travel.

Have a closer look at your policies, chances are they wouldn't have covered you had you found yourself in the OP's situation

peachyprice

InsideInsurance wrote: »

So you would have expect the "Missed Departure on The Outward Journey" to cover your inward journey????

Where did I say that????

For the sake of clarity I would expect it to be explicitly stated that their policy does not cover something that is the norm.

But I guess if they did that not many people would choose their policy would they?

DTDfanBoy wrote: »

Have a closer look at your policies, chances are they wouldn't have covered you had you found yourself in the OP's situation

I wasn't referring to OP's situation in particular, rather the policy excluding the return flights under ANY circumstances.

InsideInsurance

peachyprice wrote: »

Where did I say that?????

Here:

peachyprice wrote: »

Yes, my point exactly.

peachyprice wrote: »

For the sake of clarity I would expect it to be explicitly stated that their policy does not cover something that is the norm.

But I guess if they did that not many people would choose their policy would they?

What is the norm and who's to judge it?

Based on the range of questions here the "layman" doesnt have a common understanding of the norm.

In actual fact however the Policy Summary IS supposed to provide a snapshot of the policy including any significant variances from the norm. The Policy Book however is a contract and DOESNT include such variances because you can tell by reading the document.

Even still though you go back to whats the norm, as has been pointed out by others. The OPs situation is unlikely to be covered by most insurers and therefore it is the norm and thus wouldnt even have to be included in the policy summary.

peachyprice

InsideInsurance wrote: »

What is the norm and who's to judge it?

The norm, to most travellers, would be both outbound and inbound flights to be covered.

The OPs situation is unlikely to be covered by most insurers and therefore it is the norm and thus wouldnt even have to be included in the policy summary.

I stall state, once again, I am not referring to OP's situation in particular, moreso the fact the inbound flights are not covered under ANY circumstances. That is not usual for a travel insurance policy, no matter how much you may want to argue that it is.

Jonboy1889

Their summary detail is a little misleading and doesn't represent what they cover:

http://m.protectyourbubble.com/uk/travel-insurance

If your flight, sea crossing or coach/train journey is delayed as a direct result of industrial action, adverse weather or mechanical breakdown of the vehicles involved, for more than 12 hours beyond the intended departure time, you’re covered for travel delays, missed departures and even total holiday abandonment outside your control.**

This is definitely not what their terms and conditions say- unless they just missed it out?

Jonboy1889

What made the issue worse was my newest confirmation email didn't come from protect your bubble, it came from insurefor.com- it said "thank you for purchasing your travel insurance from insurefor.com limited- the link didn't work in the email they sent so I went to insurefor website (I assumed they were who actually provided my insurance given that they said thanks for buying from them). At insurefor.com it said the offer £1.5k towards any new tickets/cancellations hence I went and bought a new ticket- only to find out when I called up after to check (keep in mind I am in NZ so couldn't wait for another 12 hours I would have missed the flight booking) my policy isn't with insurefor but protect your bubble- who don't offer any new flight insurance/cost cover.

very frustrating!

Voyager2002

Jonboy1889 wrote: »

What made the issue worse was my newest confirmation email didn't come from protect your bubble, it came from insurefor.com- it said "thank you for purchasing your travel insurance from insurefor.com limited- the link didn't work in the email they sent so I went to insurefor website (I assumed they were who actually provided my insurance given that they said thanks for buying from them). At insurefor.com it said the offer £1.5k towards any new tickets/cancellations hence I went and bought a new ticket- only to find out when I called up after to check (keep in mind I am in NZ so couldn't wait for another 12 hours I would have missed the flight booking) my policy isn't with insurefor but protect your bubble- who don't offer any new flight insurance/cost cover.

very frustrating!

I think that you have the basis for a valid complaint... I suspect that if you are polite but stick to your guns the story will end with them making an ex gratia payment to you.