Hotel Travel Insurance - Aviva (Barclays)

montecos400

Desperately looking for advice. 
I booked and paid for a hotel in Lanzarote in Jan as a non-refundable option, my name on the booking etc. We couldnt go due to COVID and tried to claim back via agent, then Barclaycard with both rejected as expected...........So im attempting to claim via Barclays Premier Travel pack insurance.
They have now told me the claim is void because the room was intended for my two daughters aged 21 in full time work and they are not covered by my policy!! I paid for the room and the booking is under my name, I am claiming not my daughters.
How can this be?

bradders1983

Because you arent the one travelling. Its as simple as that.  You are covered for your own travel.

Get your daughter to claim on her travel insurance (if she has it) and then when she gets the money back, she can give it to you. Insurance companies dont care who pays for travel, its all about who is actually going.

montecos400

This is terrible.....we were travelling also but I booked the hotel under two bookings. I booked one room for myself, wife and younger children and the second room for my older children.

bradders1983

Are they accepting the claim for the room you are staying in and the cost of your flights?

Do you have an individual or a group policy?

[Deleted User]

Does your insurance via Barclays include family?   If so who is named on the policy?   I would think adult children would need to purchase their own (regardless of who paid )

It is the same for people who booked and paid for cottages for large groups of say 10.  They mistakenly thought that as they paid for it all, their insurance would cover the full cost whereas all they could claim was 1/10th of the cost and the remaining Travellers were directed to their own insurance policy (sadly not many had taken out insurance).  

So check the small print carefully but I suspect their decision may be final. 

Caz3121

montecos400 said:

They have now told me the claim is void because the room was intended for my two daughters aged 21 in full time work and they are not covered by my policy!! 

that appears to be correct
https://www.barclays.co.uk/content/dam/documents/personal/insurance/travel_plus_pack_v6.pdf

"Each account holder and his/her domestic partner must be under 80 years of age at the start of any trip to qualify for travel insurance. Covers children under 18 years of age (under 23 years of age if still in full time education and living at home outside of term time) travelling with the account holder or his/her domestic partner. All trips must start and end in the UK and last no longer than 31 days."

As they were over 18 and not in full time education they are not covered by your policy so would need their own travel insurance policies.