Travel Insurance Claim

DullGreyGuy

sheramber said:

When does holiday cover start? 

Is it from when you leave home or from when you start package holiday?

However, you can’t change anything now. 

You will have to wait and see what the insurance company decide and go through their complaint process if you do not agree with their decision.

Depends on if it's single trip or annual. Single trip starts from the date of purchase, annual starts on the requested start date, which normally would be the day of purchase, the day the current policy lapses or, if someone has missunderstood, the date they are due to travel. 

sheramber

TheOP ‘s package holiday started from Gatwick but they had to get flights to Gatwick to start it.

Is the insurance cover for the holiday including the these flights or only for the package holiday.
The OP wants it to be only from the start of the package holiday as including the extra flights means the holiday cost exceeds the policy cover. 

DullGreyGuy

sheramber said:

TheOP ‘s package holiday started from Gatwick but they had to get flights to Gatwick to start it.

Is the insurance cover for the holiday including the these flights or only for the package holiday.
The OP wants it to be only from the start of the package holiday as including the extra flights means the holiday cost exceeds the policy cover. 

Which is fine... cover £5,000, holiday price £5,200, Claim £4,800. There are no averaging terms in the insurers current wording just they won't payout over the policy limit but the claim is below the policy limit so non-issue

sheramber

DullGreyGuy said:

sheramber said:

TheOP ‘s package holiday started from Gatwick but they had to get flights to Gatwick to start it.

Is the insurance cover for the holiday including the these flights or only for the package holiday.
The OP wants it to be only from the start of the package holiday as including the extra flights means the holiday cost exceeds the policy cover. 

Which is fine... cover £5,000, holiday price £5,200, Claim £4,800. There are no averaging terms in the insurers current wording just they won't payout over the policy limit but the claim is below the policy limit so non-issue

Which is what the OP is asking.