Insurance policy wording?/

yorkshirepud_2

I am confused, "Naturally occuring or degenerative condition" As worded in The Natwest Advantage Gold policy Would that mean that stuff like depression, fear of flying etc are not covered??

Is £50 excess per person or per claim if a hol had to be cancelled.

Has anyone had to make a claim with NATWEST and how do they fare against other insurers.

Used Boots before TOUCH WOOD NEVER CLAIIMED, BUT I CAN GET THIS THROUGH THE BANK, IS IT ANY GOOD?

dmg24

Fear of flying definitely not.

Depression is a naturally occurring condition in many people.

RibAd

When you put it into context IE Under Section B Personal Accident (not med and emer exp) in respect of bodily injury, loss of limb, sight, permanently disabiling injury an exclusion of "any sickness or disease, naturally occuring or degenerative condition, pregnancy or childbirth"

http://www.natwestadvantagegold.com/microsites/personal/advantage_gold/downloads/Advantage_Gold_Travel_Insurance_Policy_Document.pdf

to mean that under this particular section, you were to sustain permanent disabiling injury or loss or sight, etc (as above) that was a result of something genetic, heriditory, from birth or naturally within you, you could not claim for it.

You would only be able to claim for this if it was not naturally occuring within you or a degenerative condition ie that it was a result of

if during a journey, you sustain bodily injury which shall solely and independently of any other cause, result within 12 months in a permant disabiling injury, loss of limb, sight etc.

peterbaker

Who underwrites that Nat West policy? I haven't gone looking for those words in my own Egg policy yet, but what a pile of cr*p some of these policies must be if they contain exclusions like "naturally occurring" anything :mad:

I don't know about most MSE'rs, but my whole life has been naturally occurring so far , no test tubes, no iron lungs, no liver transplant (yet!) - it's all gone more or less to some great natural plan yet Nat West's insurance partner doesn't want to underwrite such things anymore? I suggest they go forth and multiply, and MSE'rs look around for proper insurance.

Sounds like the accountants' marketing erks have been fiddling with the policy wordings again to me ...

Now I'll go check my own to see what Egg and AXA slipped in unnoticed ... isn't it exasperating how we continually have to check up on what the crooks sell us in the name of something that used to be useful?

Edit: Well I can't vouch for what Egg and AXA might have slipped in under my radar, but I have just spent five minutes speed-reading the 40 pages or so of their policy and I am pretty sure there is no 'naturally-occurring' phrase appearing in the Egg Travel Policy.

So, do tell us, who is the Nat West Advantage Gold underwiter??

This thread should already serve as a warning to those who rely on credit card travel policies, I think ... I have a free one from Barclays Premier but stopped relying on it about seven years ago when I got fed up with the responses I got from their underwriters when I queried bits of their nefarious exclusions & cover before I needed to find out the hard way ...

RibAd

Peterbaker- If it's a PDF edition, use the search function, much easier.

Had a look at an axa policy (couldn't view eggs without first purchasing it first) doesnt have dubious wordings in that section that I can see.

Natwest Advantage Gold travel insurance is underwritten by UK Insurance Limited.

Yorkshirepud - if you want further clarification, challenge the underwriting. Some things get changed that way. Or at least you'd get an underlying reason.

peterbaker

RibAd wrote: »

Peterbaker- If it's a PDF edition, use the search function, much easier.

Had a look at an axa policy (couldn't view eggs without first purchasing it first) doesnt have dubious wordings in that section that I can see.

Natwest Advantage Gold travel insurance is underwritten by UK Insurance Limited.

Yorkshirepud - if you want further clarification, challenge the underwriting. Some things get changed that way. Or at least you'd get an underlying reason.

Ribad - as you noticed, Egg don't seem to offer a PDF version anymore ... not even to customers ! Otherwise I am completely with you on using the computer to do the donkey work:p

I actually answered my own question about who underwrites the NatWest policy last night - UK Insurance is of course not a name that anyone other than a current insurance marketeer would recognise.

I found suggested links to Directline (it may have been spawned from Directline once upon a time) but if that's true then you have to ask yourself why it is no longer part of the (now valuable) Directline brand.

A bit more Googling suggested that UK Insurance is a wholly owned subsidiary of of RBS which would not be surprising because of course both Directline and NatWest are part of RBS. You will also find that they affinity market alongside other RBS brands like Tesco Finance and even alongside 'competitor' banks products from people like LloydsTSB.

I personally have a healthy aversion to upstart in-house insurance companies 'wheeled-in' by banks and credit card providers. You only have to look at the PPI misselling fiasco to see why.

RibAd

Peterbaker, thanks for that.....but I should know UKI (UKI Partnerships) are part of RBS Group...since I work under the umbrella of them but are now fully integrated into the RBS affilation... and yes Direct Line, sister to Churchill (who I also worked for directly) are the one in the same as with NW and RBS, Coutts, UlsterBank (NI and Republic of Ireland) and a few other International Banks in terms of all owned by RBS Group.

I personally found it odd that you can't view the full policy wording with Egg except for a scantily clad summary (in their terms one line with very non=specific and generic info) until you buy the wretched thing, considering other companies that Axa underwrite eg M&S allow for full policy wordings.