Delay or Cancellation?

eskbanker

Bradburts said:

My point with likely scenarios is one of my expectations at point of purchase and if so to the extent that UTCA 1977 might apply?

That's likely to hinge on the extent to which you specifically asked the insurer for a product suitable for a fly-drive holiday, as opposed to simply freely choosing one off the shelf yourself, i.e. did they represent that the product was suitable for your stated requirements or was the onus on you to validate that?

Bradburts

Yes, in part I agree. If I had asked for fly drive insurance then the law would be very clear. However fly drives are a common form of holiday and UTCA says more. When you read 'Travel Delay' you think that means exactly that. The T&Cs also have a section covering what's not included and fly drive delay is not there. Additionally even if not fly drive then destination is not the airport.
As you might guess I am a little cross about the time I have had to waste on companies which seem to run from their responsibilities, who treat this all as just a cost of doing business, on the whole they win by denying to those entitled. 
Thanks again.

saajan_12

Insurance aside, from the airline you'd be entitled to 
1.
Food / drink / accommodation based on the length of the delay until they get you to your flight destination. They can either provide vouchers, book you in themselves or let you arrange and reimburse. This doesn't cover anything after the flight. 

2. 
Compensation at a fixed value based on the length of the delay and if it was their fault. This may defray some of your inconvenience / costs after the flight, but isn't directly contingent on those. 

I'd investigate no. 2 as that may be an easier win than the insurance. 

eskbanker

Bradburts said:

When you read 'Travel Delay' you think that means exactly that.

There's no point in citing a high-level heading like "Travel Delay" and assuming it applies widely to everything that could technically be squeezed under that term - insurance policies will never operate on that basis, and hence the policy wording clearly documenting exactly what is included, i.e. three categories of expense and nine qualifying reasons.

Bradburts said:

The T&Cs also have a section covering what's not included and fly drive delay is not there.

Not sure which section you're referring to, but "fly drive delay" isn't really a thing?

Bradburts said:

Additionally even if not fly drive then destination is not the airport.

That isn't a defined term within the policy, but doesn't seem to be applicable here anyway?

Bradburts said:

As you might guess I am a little cross about the time I have had to waste on companies which seem to run from their responsibilities, who treat this all as just a cost of doing business, on the whole they win by denying to those entitled.

Personally I think you're getting further and further away from a valid line of argument with the remarks annotated above, and would suggest you stick to debating what is in the Ts & Cs rather than trying to make a case that other matters ought to be!


I agree with the other posters recommending pursuit of EasyJet for the airline compensation, and would also suggest that the TravelTime conditions would seem to entail reimbursement of your original first night's hotel (i.e. the one you'd have first stayed at if the flight had left on the right day) if prepaid, under C.1?

Bradburts

Thanks all. I will run with this because TravelTime are either mendacious or confused. Its not only about the money, its about how anyone else might be confused about their rights. In my mind "Travel Delay" means just that. Add 'Qualified' to 'Travel Delay' if needed, so its shabby marketing at best. Really did think that paying extra for a 'premium' travel insurance was just that! Should have read Trust Pilot first, my bad!