Travel Insurance Policy Pro rata Cancellation
I bought Worldwide Travel Insurance from Avanti in October. I needed to include Thailand on my policy at short notice in December which was quite a steep payment, nearly as much as the original cost. I no longer require this and was hoping to get a pro rata refund with no admin fee.
I chatted online and was told that I could only upgrade the policy not downgrade so I asked if I would get a pro rata refund if I cancelled the policy. No claim has been made and it was paid upfront. I was advised to call Avanti. When I called the recorded message included there is flexibility to change on line with no fee. I tried this but there was no option to cancel.
This is stated on their website:
How do I cancel the contract?
You can cancel this policy at any time. If you cancel within 14 days of receipt of your policy documents, we will cancel the policy and refund your premium, less any applicable fees and charges, provided that you have not already taken your trip, made a claim or intend to make a claim. To cancel the policy, please call the Avanti Customer Services Team on 0333 006 3213.
I called Customer Services and was told a "pro-rata" cancellation is only done in specific instances where the underwriters give us permission to do so if a situation arises where you are no longer covered by us due to referral outcome obtained based on pending medical surgery/scans or an undiagnosed condition.
Cancellation with a full refund can only be done if you are inside the cooling off period
I asked if I was paying in instalments I could cancel in effect giving myself a prorata refund but I paid upfront. He agreed!
Surely this is not right. Please can anyone advise.
- All Categories
- 341.7K Banking & Borrowing
- 249.7K Reduce Debt & Boost Income
- 449.1K Spending & Discounts
- 233.8K Work, Benefits & Business
- 605.9K Mortgages, Homes & Bills
- 172.3K Life & Family
- 246.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.8K Discuss & Feedback
- 15.1K Coronavirus Support Boards