Unethical Co-op Everyday Extra Packaged Travel Insurance. No longer fit for purpose...

DullGreyGuy

friolento said:

I don't actually fully understand what the change means. Would someone please explain to me what would happen in the following scenario:

1. I have booked an all-inclusive foreign touring package holiday with a UK company. Return Economy flights, transport and hotels at the destination and all meals included. I have paid the UK company in full with a Mastercard credit card. My COOP travel insurance has been active since the before the day I booked the holiday.
   
   
2. Whilst on the holiday, it gets curtailed by 3 days because the final hotel on the tour has become unavailable, due to events beyond the control of the UK company (who are therefore not liable). The UK company advises that no alternative accommodation can be made available. Return flights are hastily arranged but the only seats available are Premium Econony or Business Class

Questions: who pays the extra air fares, who reimburses me for the 3 lost holiday days?

Tour operators problem to fix, also you didnt state that the hotel had gone bust and so the travel insurance policy position hasn't changed for this scenario. 

w0z said:

@35Harald Is there a renewal date? The renewal only relates to the pre existing health conditions which is renewed annually not the policy.......

 Sorry I should have been clearer, I know it's a month by month product, I meant as an example, 1 year after first taking the product and yearly therafter merely as an example of what might be a fairer approach.

Assuming it is a month by month product as you state then they only have to give you 1 months notice and anything above that is a bonus. 

A contract terms are only set for the duration of the contract, at renewal all bets are off and either party can walk away or totally change the terms. If you had bought a single trip policy then there would be no renewal and the terms would be fixed for that trip but not the next trip. If you buy an annual policy then again terms cannot change for that year but if your holiday is beyond the expiry date your current insurer could either change the terms or simply not offer a renewal when it comes to an end. 

A monthly contract gives you flexibility to exit quickly but means terms can change quickly. If you want more certainty then buy a longer policy but accept that also means you give up your own flexibility. 

w0z

eskbanker said:

friolento said:

I don't actually fully understand what the change means. Would someone please explain to me what would happen in the following scenario:

1. I have booked an all-inclusive foreign touring package holiday with a UK company. Return Economy flights, transport and hotels at the destination and all meals included. I have paid the UK company in full with a Mastercard credit card. My COOP travel insurance has been active since the before the day I booked the holiday.
   
   
2. Whilst on the holiday, it gets curtailed by 3 days because the final hotel on the tour has become unavailable, due to events beyond the control of the UK company (who are therefore not liable). The UK company advises that no alternative accommodation can be made available. Return flights are hastily arranged but the only seats available are Premium Econony or Business Class

Questions: who pays the extra air fares, who reimburses me for the 3 lost holiday days?

The package organiser isn't let off the hook by matters being outside their control, so is still required by the Package Travel Regulations to rectify the situation:

https://www.legislation.gov.uk/uksi/2018/634/regulation/15

The change applies only to INSOLVENCY of an end supplier.

eskbanker

w0z said:

eskbanker said:

friolento said:

I don't actually fully understand what the change means. Would someone please explain to me what would happen in the following scenario:

1. I have booked an all-inclusive foreign touring package holiday with a UK company. Return Economy flights, transport and hotels at the destination and all meals included. I have paid the UK company in full with a Mastercard credit card. My COOP travel insurance has been active since the before the day I booked the holiday.
   
   
2. Whilst on the holiday, it gets curtailed by 3 days because the final hotel on the tour has become unavailable, due to events beyond the control of the UK company (who are therefore not liable). The UK company advises that no alternative accommodation can be made available. Return flights are hastily arranged but the only seats available are Premium Econony or Business Class

Questions: who pays the extra air fares, who reimburses me for the 3 lost holiday days?

The package organiser isn't let off the hook by matters being outside their control, so is still required by the Package Travel Regulations to rectify the situation:

https://www.legislation.gov.uk/uksi/2018/634/regulation/15

The change applies only to INSOLVENCY of an end supplier.

Yes, I know that, I was answering a different question.

Having said that, package organisers do have fairly extensive responsibilities under those regulations, so many end supplier failure scenarios will be the package provider's liability to resolve, rather than it being an insurance matter - such insurance will undoubtedly come in more useful for non-package holidays though....

ailuro2

We've had our Smilemore account for years.
Last Saturday we started the switching process because of this letter.
We've been with them since 1999.