Insurance company refusing to refund

QuietQuillet

Hello! 

I'd like some help please 

I bought a ticket to comic con uk yesterday online and took out insurance on it. The cost is under £100. I've contacted both the advertiser and the insurance company asking for a refund. The advertiser told me to contact the insurance company who keep referring to their terms and conditions not allowing refunds for change of mind. I'm not entirely convinced this is legal. Could someone advise please? Tia x

DullGreyGuy

QuietQuillet said:

Hello! 

I'd like some help please 

I bought a ticket to comic con uk yesterday online and took out insurance on it. The cost is under £100. I've contacted both the advertiser and the insurance company asking for a refund. The advertiser told me to contact the insurance company who keep referring to their terms and conditions not allowing refunds for change of mind. I'm not entirely convinced this is legal. Could someone advise please? Tia x

Assuming it is actually insurance then you can cancel the insurance and get a refund for that aspect of the purchase. 

You have no statutory right to cancel tickets and so your ability to cancel the ticket itself will come down to the terms and conditions you agreed to. 

Depending on the reason why you want to cancel there may be a valid claim against the insurance instead of cancelling it but if its just that you changed your mind that almost certainly isnt an insured peril

Ayr_Rage

Why do you require a refund?

As in your post, change of mind is not normally insurable.

QuietQuillet

DullGreyGuy said:

QuietQuillet said:

Hello! 

I'd like some help please 

I bought a ticket to comic con uk yesterday online and took out insurance on it. The cost is under £100. I've contacted both the advertiser and the insurance company asking for a refund. The advertiser told me to contact the insurance company who keep referring to their terms and conditions not allowing refunds for change of mind. I'm not entirely convinced this is legal. Could someone advise please? Tia x

Assuming it is actually insurance then you can cancel the insurance and get a refund for that aspect of the purchase. 

You have no statutory right to cancel tickets and so your ability to cancel the ticket itself will come down to the terms and conditions you agreed to. 

Depending on the reason why you want to cancel there may be a valid claim against the insurance instead of cancelling it but if its just that you changed your mind that almost certainly isnt an insured peril

Thank you. I find the law on this incredibly annoying and ridiculous. 

Hoenir

To clarify the legal position read the terms and conditions thoroughly. Though you did accept them in making the purchase. 

QuietQuillet

Hoenir said:

To clarify the legal position read the terms and conditions thoroughly. Though you did accept them in making the purchase. 

Ts and cs state refunds will only happen if you are ill or you can't get there. Either way they want proof e.g. drs letter or break down report. I've never had a company ask for that evidence before. I find it odd tbh.

QuietQuillet

Ayr_Rage said:

Why do you require a refund?

As in your post, change of mind is not normally insurable.

Insurance was to cover illness or being unable to make the event. Neither apply to me right now. The promoter won't refund either. I feel I'm getting screwed by the promoter 

Aylesbury_Duck

QuietQuillet said:

Ayr_Rage said:

Why do you require a refund?

As in your post, change of mind is not normally insurable.

Insurance was to cover illness or being unable to make the event. Neither apply to me right now. The promoter won't refund either. I feel I'm getting screwed by the promoter 

So what is your reason for wanting a refund?

QuietQuillet

Aylesbury_Duck said:

QuietQuillet said:

Ayr_Rage said:

Why do you require a refund?

As in your post, change of mind is not normally insurable.

Insurance was to cover illness or being unable to make the event. Neither apply to me right now. The promoter won't refund either. I feel I'm getting screwed by the promoter 

So what is your reason for wanting a refund?

Change of mind

JGB1955

Why do you think the promoter (or insurance) should refund you for a change of mind?  Unlikely to happen...

Aylesbury_Duck

QuietQuillet said:

Hoenir said:

To clarify the legal position read the terms and conditions thoroughly. Though you did accept them in making the purchase. 

Ts and cs state refunds will only happen if you are ill or you can't get there. Either way they want proof e.g. drs letter or break down report. I've never had a company ask for that evidence before. I find it odd tbh.

I find it odd that you think a company would just refund on your say-so, without doing at least a basic check.