Holiday cancelled -which company to claim from

Hi all 👋
Hubby&myself booked a ski holiday (early last year) for this week, sadly we had to cancel due to an injury. 
My question is - which holiday insurance company do I claim from, the one I had when we booked the holiday or the new one who was due to cover us this week?
Thankyou for any advice 


  • mgfvvc
    mgfvvc Posts: 1,159
    First Post First Anniversary Name Dropper
    Assuming that these are annual policies, I would guess that the relevant insurer is the one that was current at the time of the accident. I would stress that I am not an expert and may be wrong. The answer should be in the policy documents for the relevant policies.
  • lisyloo
    lisyloo Posts: 29,521
    Name Dropper First Anniversary First Post
    I would expect it to be the one that had cover when the injury occurred.
  • samcoz
    samcoz Posts: 2
    First Post
    Thankyou for your answers - I’ve just sent my medical certificate off to my current insurance company, fingers crossed they play ball 🙏🏼
  • Grumpy_chap
    Grumpy_chap Posts: 14,398
    First Anniversary First Post Name Dropper Combo Breaker
    I agree with others that it is the insurer that was providing cover at the time the incident causing cancellation occurred.
    If it is not them, they will be sure to let you know soon enough.
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