Travel insurance

Could anyone advise on the following:
I made a travel claim (Columbus joint annual worldwide policy) for cancellation of London hotel booking for 2 rooms for 2 nights last August. The party was myself, husband, brother and his wife. I paid for the hotel as it was for my brothers 60th birthday. Several days before our trip our mother was admitted to hospital for emergency surgery following a fractured hip, hence the cancellation. After chasing for months I’ve received notification that the second room won’t be covered because they are non insured passengers. Under the definition of the policy brother and sister in law are listed as immediate family members so I’m unclear as to why the full costs weren’t recompensed as I paid the bill and provided all the necessary evidence. Any help appreciated. As it’s been 7 months to get to this stage not sure where to go next!

Comments

  • DullGreyGuy
    DullGreyGuy Posts: 10,186 Forumite
    First Post First Anniversary Name Dropper
    Presumably your brother and his wife dont live with you so did you buy a Group policy? Family? Insured & Spouse?

    Many people make a mistake and think the buyer of the travel is the only one that needs to be insured by a policy when in reality all travellers need to be covered. 

    Your Bro and Sister in law should claim off their own policy assuming you didnt buy a group policy for the 4 of you.
  • Thanks for responding. You are correct, my brother doesn’t live with us and the policy was not a group one. When first requesting the claim forms however I was told close relatives would be eligible as part of the claim. My brother is not eligible to claim under his insurance as he has no evidence of making the booking, paying for anything so essentially has suffered no loss. I’ve queried the decision but not hopeful! Thanks
  • DullGreyGuy
    DullGreyGuy Posts: 10,186 Forumite
    First Post First Anniversary Name Dropper
    Thanks for responding. You are correct, my brother doesn’t live with us and the policy was not a group one. When first requesting the claim forms however I was told close relatives would be eligible as part of the claim. My brother is not eligible to claim under his insurance as he has no evidence of making the booking, paying for anything so essentially has suffered no loss. I’ve queried the decision but not hopeful! Thanks
    He doesn't need proof of "booking" just that he was a traveller. He has had a loss as he wasn't able to stay at the hotel. 

    The "close relatives" are the reason for the claim not who can claim. As per previous post the claimant is the traveller not the payer.

    Travel is a bit of an odd one... when the family buy a couple to have their 5* Madlives honeymoon everyone seems to understand the couple buy the travel insurance but when granny buys a trip for the whole family to celebrate her 80th in Ibiza then people think she can but a one person policy to cover everyone.
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