My Travel Insurance company now say I have to pay the voluntary excess on my insurance claim

[Deleted User]

In February this year I booked a "flight only" to Spain and at that time I had paid extra on my travel insurance to waiver the voluntary access so that it was zero and there was no compulsory excess. In April I renewed my Insurance as the old policy had finished, but the company were not longer allowing me to waiver the excess so there is now a £50 excess in place for both myself and my partner. (£100 in total). Two weeks ago we made the decision not to fly as the FCO advised against all but essential travel to Spain. The company are going to pay me the money back for the flights but minus the £100 excess.
My question is, is this correct as we had paid extra at the time of booking and the excess waiver was in place when we booked the flight, but when we had renewed our annual policy this was not in place at the time we were due to fly. If anybody can help I would appreciate it
Thanks in advance
Dave

Thrugelmir

At renewal insurance companies will price in known risks. Removing excess waiver is one way of doing so. 

[Deleted User]

Thrugelmir said:

At renewal insurance companies will price in known risks. Removing excess waiver is one way of doing so. 

Agreed but are they in their rights to not give us the £100 as this was in place at the time of booking?

[Deleted User]

When you renewed your annual policy you were advised that there would be an excess on renewal.  Therefore they will deduct the excess.   The previous terms don’t come into it.   You accepted the new policy complete with excess of £50.   

mattyprice4004

The policy in force at the time of the claim had an excess, so this will need to be paid.

It's about when the claim is made, not the booking itself. If I crash my car, when I bought the car doesn't matter - when I crashed the car does.