Travel Insurance Start Date Adjustment

2 Posts
I purchased a single trip policy for our family holiday earlier in the year. We got the call from the airline a few weeks ago saying our outbound flight was cancelled but we were able to rebook to depart one day earlier, so crisis averted.....
I called the insurance company today to ask that I bring the policy start date forward by one day (I was expecting to have to pay for that). Having spoken to a manager, the agent told me they cannot adjust the policy as it has already gone through underwriting. All they could suggest was cancelling the policy entirely and taking a new policy for the new dates. Bit weird, but fine.... except......they will only refund me 50% of my premium on the cancelled policy. Apparently I have had the benefit of the cancellation cover since taking it out (I have made no claims). And the new policy they want to sell me is 30% more expensive.
I then went down the route of, was there any reason why I could keep the existing policy and just buy 1 extra day separately. No sir, the terms of the policy mean that the policy is only valid for the whole trip
I can't be the only one who has had to adjust dates due to a flight cancellation. Does anyone have any ideas. I have sent a complaint to the insurance company.
I called the insurance company today to ask that I bring the policy start date forward by one day (I was expecting to have to pay for that). Having spoken to a manager, the agent told me they cannot adjust the policy as it has already gone through underwriting. All they could suggest was cancelling the policy entirely and taking a new policy for the new dates. Bit weird, but fine.... except......they will only refund me 50% of my premium on the cancelled policy. Apparently I have had the benefit of the cancellation cover since taking it out (I have made no claims). And the new policy they want to sell me is 30% more expensive.
I then went down the route of, was there any reason why I could keep the existing policy and just buy 1 extra day separately. No sir, the terms of the policy mean that the policy is only valid for the whole trip
I can't be the only one who has had to adjust dates due to a flight cancellation. Does anyone have any ideas. I have sent a complaint to the insurance company.
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So the OP is not covered for these additional items for the new first date.
e.g policy taken out 9th December for holiday commencing 2 June. will give cancellation cover from 9/12 and then loss of luggage etc will kick in from 2/6.