Secure My Booking Help Needed Please

Hi everyone. 

We took out insurance on tickets we purchased with Secure My Booking. 

Before the event was due to take place my 2 year old daughter had covid symptoms sonwe ordered a PCR test. We were told to Isolate till the results came back so had to miss the event or risk putting other people at risk. 

Have just been told the claim is not valid and totally disgusted by the response. 
Could someone please look over the terms and possibly provide me a way to. challenge this as a government body said we had to Isolate. 
The terms and conditions from Secure My Booking are below. Thanks in advance 

securemybooking.com/terms/uk

Comments

  • smashinglynaive
    smashinglynaive Posts: 111 Forumite
    First Post Name Dropper
    edited 31 December 2021 at 4:22PM
    Who told her she needed to self-isolate?  There is no legal requirement to self isolate pending the return of test results so unless she was told to self-isolate as a result of being a close contact her self isolation was through choice rather than being Government-mandated.  As such the terms of this "insurance" do not cover her.

    Probably should add (not that it matters much) that even if she/you had been told to self isolate as a result of being a close contact, this insurance would not cover her/you.  It only appears to cover self-isolation that is backed up by a positive test.
  • I have to disagree with you. 

    If you look on the government website it says that you "If you have symptoms, self-isolate straight away until you get your results. Do not leave home, except to post a test kit or for a PCR test appointment." 

    Clearly going to an event while having symptoms is going against this 

    www.gov.uk/get-coronavirus-test


  • kaMelo
    kaMelo Posts: 2,372 Forumite
    First Anniversary First Post Name Dropper
    I think the critical point is the cover applies to a ticket holder who has had a positive test result and to anyone who has been notified officially to self isolate.
    Did your daughter receive a positive result and if so was it before the event? If yes then you have proof and her ticket should be covered.  Were you officially notified via test and trace to self isolate?  If yes then you have proof and your tickets should be covered. Being verbally told to self isolate doesn't count as you have no proof this happened.





    Interestingly though the terms further down maybe give some hope but, the important question is did your daughter test positive for covid19 and if so when did you get the result?



    If you're daughter tested positive prior to the event then as a dependant requires the support of a ticket holder, which would be you.


    To summarise, if your daughter tested positive prior to the event then you have an angle to argue your case and make a complaint. If you daughter didn't test positive prior to the event, or at all, then I think you're out of luck.
  • I have to disagree with you. 

    If you look on the government website it says that you "If you have symptoms, self-isolate straight away until you get your results. Do not leave home, except to post a test kit or for a PCR test appointment." 

    Clearly going to an event while having symptoms is going against this 

    www.gov.uk/get-coronavirus-test


    No. The only legislation regarding self-isolation covers being told by Test & Trace or having been in receipt of a positive PCR test.  There is literally no other time when you are mandated, by law, to self-isolate.

    Requirements on person notified of positive test for acute respiratory syndrome coronavirus 2 (SARS-CoV-2) and close contacts of such persons

    2.—(1) This regulation applies where an adult is notified, other than by means of the NHS Covid 19 smartphone app developed and operated by the Secretary of State, by a person specified in paragraph (4) that—

    (a)they have—

    (i)tested positive for severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2) (“coronavirus”) pursuant to a test after 28th September 2020, or

    (ii)had close contact after 28th September 2020 with someone who has tested positive for coronavirus;

    (b)a child in respect of whom they are a responsible adult has—

    (i)tested positive for coronavirus pursuant to a test after 28th September 2020, or

    (ii)come into close contact after 28th September 2020 with someone who has tested positive for coronavirus.

    Notice no mention of people who merely have symptoms?

    There has been an awful lot of "guidance" that has been happily pushed out sounding like law, and the government is very happy about that (although why they simply couldn't pass it as legislation if it is so important I don't know.)

    Anyway, as already said she needs to have tested positive for COVID and have tested positive before the event.


  • I have to disagree with you. 

    If you look on the government website it says that you "If you have symptoms, self-isolate straight away until you get your results. Do not leave home, except to post a test kit or for a PCR test appointment." 

    Clearly going to an event while having symptoms is going against this 

    www.gov.uk/get-coronavirus-test



    But you didn't have symtoms so you could have gone, or was this an event for your daughter?
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