Partial rebate of insurance premium

mcbryde

I got a one month insurance policy (which was recommended on MSE) to go to Australia for a month.

As the flight was cancelled, I assumed I'd get a full rebate. But they only offered me 50%. It was pretty expensive anyway (£170). I'm 71, but have a clear health record.

The guy said that I'd already been using it, as I purchased the insurance about 2 months prior to departure [also recommended on this site]. I suppose he was referring to the part of the insurance whereby I would be able to cancel prior to departure if I needed to. But doesn't this come with most packages?

I have a friend who is in his 70s and got a full refund for a Portugal flight [which only cost him £40 for 2 weeks].

Do I need to feel hard done by??!   I'd like to get back to the provider (Planet Earth) to negotiate a better deal - if I had some ammunition.

Thank you - John in the North West

[Deleted User]

No, you don't need to feel hard done by.

The insurance did its job. And a 50% refund is very generous.

blindman

mcbryde said:

I got a one month insurance policy (which was recommended on MSE) to go to Australia for a month.

As the flight was cancelled, I assumed I'd get a full rebate. But they only offered me 50%. It was pretty expensive anyway (£170). I'm 71, but have a clear health record.

The guy said that I'd already been using it, as I purchased the insurance about 2 months prior to departure [also recommended on this site].

I have a friend who is in his 70s and got a full refund for a Portugal flight [which only cost him £40 for 2 weeks].

Do I need to feel hard done by??!   I'd like to get back to the provider (Planet Earth) to negotiate a better deal - if I had some ammunition.

Thank you - John in the North West

You were covered form the day you bought the insurance for cancellation due to ill heath, death,jury service etc so in effect you have used a 2/3rds of a portion of it.

mcbryde

Thank you both for your replies.

I wonder how my friend received a full refund...??

Aylesbury_Duck

Probably because your friend had a policy that only covered the trip itself, rather than the build up to it as well.  That would explain why his policy was so much cheaper than yours. 

TELLIT01

mcbryde said:

Thank you both for your replies.

I wonder how my friend received a full refund...??

Different companies have different policies on refunds.  Some charge admin fees and others don't.