Travel insurance - excess deducted twice.

TELLIT01

Our holiday to Greece was cancelled when the FCO advised against all but essential travel to the island we were to visit.  The accommodation owners understandably won't refund the deposit as they are still open to business, and I have no problem with that.

I contacted the travel insurance company who have paid out but have deducted the excess twice because my wife would be occupying too.  The cost of the accommodation would have been the same if I had travelled alone.  Both of us are named on the insurance policy.

Is this standard practice or the insurer shafting the customer as seems to be the standard operating model these days?

It's not a lot of money and I have no plans to chase it, just looking for information.

huckster

Policy documents should confirm whether it is a per traveler excess or whether it should be relate to one claim event.
As policies vary, can't answer the question.

TELLIT01

I appreciate it varies but just wondering if others had experienced the same as me.

Sandtree

Per traveller excess is the most common approach on cancellations etc

TELLIT01

Thanks Sandtree.  A double excess on a single item with a fixed cost seems unfair, but that's the way it is.

Sandtree

TELLIT01 said:

Thanks Sandtree.  A double excess on a single item with a fixed cost seems unfair, but that's the way it is.

Swings and roundabouts though, in different circumstances if your wife couldnt have travelled but you could have you'd have gotten back 50% of the hotel cost (net of excess) whereas she hadn't added anything to the room cost.