High travel insurance amendment quote for broken bone

B612

Hi, I hope someone can offer me advice. 
I took out family annual travel insurance in May, with a holiday booked for August. I broke my wrist 4 weeks ago. When I first called the insurer they said I'd have to pay an additional £124 because the injury was less that 3 weeks old at the time I made the call. I said I'd call back when the break was older than 3 weeks. Today they said I have to pay £94. The injury will be 5 weeks old when I travel. I said this was too high and asked for cover for the injury to be excluded from the policy and planned to take a separate single trip cover insurance for it. I was told I couldn't do this. I asked for my name to be removed from the policy and to keep it for the rest of the family, then I could take out an individual policy, but they said I couldn't do that either. It's pay it or have no cover. I had had a quote for good individual annual trip cover for £40 or single trip for £18 (both inclusive of the injury) so don't want to pay £94. 
Please help!

heatherw_01

If you have had a quote elsewhere that covers it, you might be best just going for that.

Some won't even cover fractures, or require a few months to pass, as there is a risk that you could do it more damage by travelling before it is fully healed. 

Editing a currency policy sometimes has a fee, so there is a possibility that they are including a fee for alteration, which would be in the terms of your policy.

You could try getting a few quotes on different sites.

TELLIT01

I'm assuming the OP was the person who took out the policy.  If that is the case it's understandable that they won't simply remove him/her.  Doing so would mean the entire policy is no longer valid. 

With the prices you have quoted it may be cheaper simply to get a new policy elsewhere and write off the cost of the original.

B612

Thanks. 
My partner is the lead person on the family policy. 
If I don't pay the charge they are asking they will cancel the policy for the whole family and I will have to get new insurance for us all. The person i spoke to on the phone implied we would lose the money, but I've checked the policy and think we would have to be refunded the remainder of the year. 

silvercar

When I broke a bone, my annual travel insurance policy said that I would only need to pay extra to cover holidays that weren’t already booked. Anything already booked was covered without an extra premium. 

B612

Spoke to a different person today. I can have my part of the policy cancelled and the remainder of it refunded. The rest of the family can stay on the policy. This is one of the things I asked for yesterday and was told no😡. They are lucky I can't type very well in this cast or I'd be straight into the complaints section😆.