No Show Flight Insurance

kuggsy67

Looking for advice, I paid for 5 flights (family who’ve left home). Due to FCO advise we didn’t travel. I have claimed on my insurance, the problem is they have said they will only pay for me and my Wife. I can’t claim for my daughter her partner and my grand son. I paid for all the flights so surely I should be reimbursed for MY full financial out lay not just 2 individual flights. Anyone any ideas?

eskbanker

kuggsy67 said:

Looking for advice, I paid for 5 flights (family who’ve left home). Due to FCO advise we didn’t travel. I have claimed on my insurance, the problem is they have said they will only pay for me and my Wife. I can’t claim for my daughter her partner and my grand son. I paid for all the flights so surely I should be reimbursed for MY full financial out lay not just 2 individual flights. Anyone any ideas?

There have been numerous threads along similar lines as people have become more exposed to insurance claims in recent times, but the general view is that the company is right - they're not insuring the payment as such so if five people want their arrangements to be insured then they each need to be named on insurance policies, regardless of who actually paid for the tickets.

[Deleted User]

kuggsy67 said:

Looking for advice, I paid for 5 flights (family who’ve left home). Due to FCO advise we didn’t travel. I have claimed on my insurance, the problem is they have said they will only pay for me and my Wife. I can’t claim for my daughter her partner and my grand son. I paid for all the flights so surely I should be reimbursed for MY full financial out lay not just 2 individual flights. Anyone any ideas?

Eskbanker has explained it so just concurring.   Many people thought that as they had paid for flights then their own insurance should cover everyone for flight costs but, as you are finding out, doesn't work like that.   Each passenger has to be named on an insurance policy - whether on yours or their own individually.   

CKhalvashi

Each passenger has to be named on an insurance policy.

Why should an insurer be exposed to risk of 5 family members when you've only paid them for your own risk, that doesn't make sense to me in any way, and I can't see how you think that should be the case.

The FCO advice is just that, advice. Subject to 14 days isolation on return, there is nothing stopping you and your family from going.

mattyprice4004

Your insurance covers those named on the policy - you and your wife.

You bought insurance to cover the two of you, not the whole family - it doesn't matter who paid for the flights, the flights were for people outside of your cover.

kuggsy67

Thanks for all the advice. I’m happy to say on this occasion it was all wrong. I received the remainder of the money I paid, less APD. 

Aylesbury_Duck

An explanation would be helpful.  Are you saying your insurance paid out for three people not named on the policy, or did you get a refund from the airline?  

kuggsy67

I got the refund from my “bank” insurance. I simply told them I had paid for all flights. They asked for proof of payment and details of who was flying, sent it got it. 

Aylesbury_Duck

That's interesting, and may be helpful for others in the same situation. There are a lot on here at the moment in the same boat.  I have to say I'm surprised because in my experience, travel insurance will only pay out for those named on a policy.  A bank account linked policy might cover the account holder and their dependents, but that wouldn't normally include adult children and grandchildren.

Which bank and what sort of account?  And did you go to them after your other travel insurer rejected the full claim?

kuggsy67

Insurance is through Halifax and underwritten by AXA. I initially tried charge back on my credit card. This was rejected due to flight still going. When AXA first contacted me they asked for my daughters insurance details. So they could “minimise there loss”. She wasn’t insured ((would of if we went). I got 2 flights back, made a phone call with no hassle. They asked for proof of payment and other passengers info. I was paid 2 weeks later, no further contact. I wasn’t expecting it tbh honest after what was said here kind of made sense. £940 unexpected bonus. 

superbigal

I assume some friendly person has logged that you were all in the same "household".