Travel insurance claim: multiple policy excess

Blue_Parrot

The travel insurance firm have finally* paid my claim for four unusable air tickets (due to my OH being severely injured in a road accident). I understood the policy excess to be £35 per claim.

However, they have applied £35 excess per TICKET. Despite my claim being singular, i.e., one claim for the lot. Is this "reasonable"?

I have banked the cheques. For reasons of their own, they chose to refund in separate cheques. Per ticket. Minus excesses.


*This took six weeks and five phone calls from me to counter their multiple excuses for delay/s.

Quentin

The way excesses are dealt with will be set out in the policy - though this does sound normal, with an excess to be paid for each person claiming.


If your policy wording says different then take it up with them

Blue_Parrot

£35 per person = £70, I'd have thought. Not £140 which they've deducted.....

Quentin

Blue_Parrot wrote: »

£35 per person = £70, I'd have thought. Not £140 which they've deducted.....

Your OP refers to 4 tickets??


But check the wording of the policy on how excesses are applied for your definitive answer, and take it from there if they have not done it in line with their policy.

Blue_Parrot

Yes, four tickets. Two tickets each.

I've never made an insurance claim in my life before for anything, so their clawing back the excess x4 like this came as something of a shock.

I've got another insurance claim question, but I'll start a new thread on that.

dacouch

Had you booked return tickets with the airline or purchased for one way flights?

Blue_Parrot

dacouch wrote: »

Had you booked return tickets with the airline or purchased for one way flights?

Thanks for replying, but I don't understand the question in this context.

Four airtickets were not used. Two people couldn't use those flights. Two people are in the claim. The policy states "£35 excess per person", not "£35 per ticket".

Looking at it like that, I should be glad that they've only deducted 4 x £35 = £140, and not 8 x £35 = £280!

dacouch

Were the tickets return tickets or single (One way) tickets?

Blue_Parrot

dacouch wrote: »

Were the tickets return tickets or single (One way) tickets?

Return tickets, dacouch.

Are you a lawyer by any chance?

dacouch

Blue_Parrot wrote: »

Return tickets, dacouch.

Are you a lawyer by any chance?

Not a lawyer, you don't need to study law to understand a policy wording, you just need to read it.

Who are you insured with and under which scheme?

We can then check the exact wording as when it comes to Insurance, the devil is in the detail.

Could you also provide more details as the information you've provide is fairly sketchy eg how many people traveled and what was the price per ticket