Beware

DFJ_2

I purchased Annual travel insurance, as recommended for the over 65s through Leisure Guard
There was an excess of £65 for medical expenses claims. The person I contacted was aware that my age was 70 but I was not informed that if I made a claim, which I did, the excess would increase to £150. Yes on reading the policy thoroughly the clause is there in small print, but it would have been nice to have been informed of this, as my claim was only for £137. I have now found other policies that do not have this clause, one being Avanti, for around the same price.

dunstonh

If you bought via an advised channel (as it suggests you did from the wording of your post) then that is a material fact that you would expect to have highlighted to you.

However, if you dont mean it was an advised sale, then it is your own responsibility to be aware of the product details you are buying.

magpiecottage

dunstonh wrote: »

if you dont mean it was an advised sale, then it is your own responsibility to be aware of the product details you are buying.

The terms would still need to be reasonably prominent - ask those who have had PPI complaints upheld.

Howevwer, we do not know how small the small print the OP refers to really was.

They can complain to the insurer, and if necessary to FOS, if they wish to.

lebikini

BEWARE OF LEISURE GUARD!

I am currently in a legal wrangle after my husband lost his passport on our honeymoon. It was incredibly traumatic, and cut our dream holiday of a lifetime short, and cost us just over £600 to get sorted.

Despite keeping every receipt and records of everything, Leisure Guard have refused to cover our claim. We paid extra for 'Premier' cover, and received policy documents, but once we tried to claim, they are insisting on different wording that excludes our claim, and lowers the level of cover.

After such a horrible end to our trip, the last thing we need is a 6-month battle to try to reclaim some of our losses. It has been utterly disgusting treatment, and I believe a breach of their policy. the very reason I never travel without travel insurance is to cover such an event as this, and it is appalling that the only time in my life I have ever had call to claim on my insurance, they turn out to be a bunch of liars.

My friend used LV and after needing medical attention on holiday, he called to make the claim and the money was in his account the next day - no forms, no receipts, no fuss. I will know for next time.