Cancellation not covered by insurers

Barry2022

Yeah i am pursuing Ryanair - but they are totally ignoring all communications. They are actually breaking the law

onashoestring

You can  refer your case to the  alternative dispute resolution (ADR) service to try to get what you're owed.

For Ryanair, Aviation ADR handles complaints and claims for redress on behalf of passengers who have failed to get anywhere directly with the airline. You can submit your claim using its online form.

To be eligible to make a complaint against an airline, you must have already complained to the airline directly in writing and either received a final written response (sometimes referred to as a "deadlock letter") or given the airline eight weeks to respond to your dispute.

Barry2022

Thanks for that. I have already submitted an official complaint with Ryanair - without any response. I then submitted a claim with Aviation ADR and am currently awaiting a response. 

Barry2022

M&S credit card have denied the claim. Basically - if you think you are covered (by any means), if there is a strike - then you aren't. 

Everyone i have spoken to on this thinks they would be covered.

The Office of Fair Trading and the Law Commission agree that this is wrong. 

DullGreyGuy

Barry2022 said:

M&S credit card have denied the claim. Basically - if you think you are covered (by any means), if there is a strike - then you aren't. 

Everyone i have spoken to on this thinks they would be covered.

The Office of Fair Trading and the Law Commission agree that this is wrong. 

Credit card? 

Only scan read the back story but cannot see any prior comment about a claim being made against a credit card?

Was it a chargeback or S75? Given Ryanair I am guessing it was a Chargeback?

What were the grounds for refusal? 

Law Commission would have nothing to do with it and is literally just 5 people... they advise parliament on laws that need updating, repealing or simplifying 

Barry2022

Office of Fair Trading no longer exists doh - i guess the government is happy with unfair trading

DullGreyGuy

Barry2022 said:

Office of Fair Trading no longer exists doh - i guess the government is happy with unfair trading

So adds to the question of how a non-existent entity agreed with you? Not that that has stopped many religions

Barry2022

DullGreyGuy said:

Barry2022 said:

Office of Fair Trading no longer exists doh - i guess the government is happy with unfair trading

So adds to the question of how a non-existent entity agreed with you? Not that that has stopped many religions

Oh - boy. If you google about relevant and pertinent information hidden in T&C's you will find that the OFT were against it. 

Barry2022

My intention here was to inform others. I suspect most people will think they are covered on their travel insurance. They aren't. The Key facts document and the Insurance Product Information Document (IPID) both state you are covered by cancellation. The latter document also states what isn't covered. So you read them and think you are covered. But in addition to those exclusions are some more - hidden within their 97 page T&C document. I am sure some people on here may read all the T&C documents that they come across. But the Key Facts and IPID were conceived for those of us that have a life and dont read all T&C documents. 

Barry2022

Update - Trading Standards are taking this up