No Show Flight Insurance

Aylesbury_Duck

kuggsy67 said:

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. 

I see, thanks.  Sounds like negligence or goodwill on AXA's part, rather than a contractual payout, so perhaps not a useful avenue for others after all.  Just be aware there's a slim chance they'll realise their mistake and demand the money back, so keep it up your sleeve in case that happens.

A lesson for your daughter in future is always take out insurance the day you book.  That way, you're covered for cancellation up to the departure and not just for problems on the holiday itself. 

CKhalvashi

superbigal said:

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

I thought this too.

Looks like the advice we gave wasn't wrong, but someone within the insurer has possibly logged something they shouldn't have, meaning the payment has come to OP.

Congratulations.OP, but this is unlikely to be repeated for others.

kuggsy67

CKhalvashi said:

superbigal said:

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

I thought this too.

Looks like the advice we gave wasn't wrong, but someone within the insurer has possibly logged something they shouldn't have (or has been mislead in some way), meaning the payment has come to OP.

Congratulations.OP, but this is unlikely to be repeated for others.

I did NOT mislead them in anyway shape or form. Thanks 

CKhalvashi

kuggsy67 said:

CKhalvashi said:

superbigal said:

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

I thought this too.

Looks like the advice we gave wasn't wrong, but someone within the insurer has possibly logged something they shouldn't have, meaning the payment has come to OP.

Congratulations.OP, but this is unlikely to be repeated for others.

I did NOT mislead them in anyway shape or form. Thanks 

I will retract that, as I genuinely wasn't trying to suggest you had, but have just re-read it and it does seem like a suggestion of misconduct on your part which isn't be fair to you.

Sincere apologies, the post has been edited.

macman

If the policy covered everyone travelling under tickets booked by the insured, then the insurer would have potentially unlimited liability. The policy t&c's will make it clear as to whether it covers the insured, insured and spouse, children, other household members etc.