Anniversary meal cancelled due to Gov. covid rules

old_dinosaur

Hi Thanks for replies. Our Party insurance did not have any excess as we checked before taking it out and would have paid to cover any excess if there was any. It is not the money so much as the principle, cos if we had paid the full amount we'd have been out of pocket by a grand and we couldn't rearrange, as not a Wedding and for other reasons stated in original post.
All we wanted to know was had anyone else been successful with their insurance co. if their UK caterer/hotel etc didn't refund ?
Lots have people have lost out, but real point is why pay for insurance if they appear to have a get out clause.
According to Insurance Companies- Insurance is taken out to cover eventualities that are not known at the time of purchase.
Suppose one could argue that Covid was spreading across Asia at the time, but no one could envisage what we are in now.!

elsien

As I said earlier, you can make a complaint.

Another option might be a chargeback? 

Thrugelmir

old_dinosaur said:

According to Insurance Companies- Insurance is taken out to cover eventualities that are not known at the time of purchase.

Insurance cover can be extremely complex. What is covered and not covered , and up to what levels varies enormously. As risk has to be priced. Think of detail your house and contents insurance requires. Under insure and you'll be paid out a proportionate amount. 
Under the FAQS. There a reference to Swine Fever and Contagious diseases. Have you been through you policy with a tooth comb?