Insurance company refusing to refund

powerful_Rogue

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.

Seems very generous. They don't have to provide a refund for either of those reasons.

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 

The promoter doesn't have to refund a ticket you purchased yesterday. Leisure activities for a specfic date are excluded from the 14 day cooling off period.

QuietQuillet

JGB1955 said:

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

I assume I have rights under distance selling regs

QuietQuillet

Aylesbury_Duck said:

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.

I'm asking due to changing my mind. Nothing can be provided to prove that other than me stating the case 

Aylesbury_Duck

QuietQuillet said:

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. 

Why?  There are laws to protect a consumer's rights but there has to be a balance to provide some protection to retailers.  Would you be happy running a business where any time a customer wanted a refund on a whim and gave no proper reason or evidence, you'd be compelled to refund them?

powerful_Rogue

QuietQuillet said:

JGB1955 said:

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

I assume I have rights under distance selling regs

Nope. Leisure activities for a specfic date are excluded from the 14 day cooling off period.

QuietQuillet

powerful_Rogue said:

QuietQuillet said:

JGB1955 said:

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

I assume I have rights under distance selling regs

Nope. Leisure activities for a specfic date are excluded from the 14 day cooling off period.

Thank you, I wasn't aware of that

QuietQuillet

Aylesbury_Duck said:

QuietQuillet said:

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. 

Why?  There are laws to protect a consumer's rights but there has to be a balance to provide some protection to retailers.  Would you be happy running a business where any time a customer wanted a refund on a whim and gave no proper reason or evidence, you'd be compelled to refund them?

I was simply expressing how I feel about it. I understand the need for balance. I have had refunds related to online purchases before for change of mind without issue. 

DullGreyGuy

QuietQuillet said:

powerful_Rogue said:

QuietQuillet said:

JGB1955 said:

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

I assume I have rights under distance selling regs

Nope. Leisure activities for a specfic date are excluded from the 14 day cooling off period.

Thank you, I wasn't aware of that

Were it not the case you and your 10 mates could book a load of seats for every film at the weekend coming and the next and then just on the day decide if you want the cinema at all this weekend or not and cancel them minutes before the showing starts.

You wouldn't be the only ones doing this either, restaurants are increasingly having no-show problems with some guests openingly admitting they booked multiple places so they could decide on the day. At least a restaurant can be more flexible with taking walk ins but the cinema will be odd with the no show pre bookers leaving the centre/best seats empty and those all the on the day bookers in the wings or at the front. 

Personally think distance selling rules are too generous as they stand but unfortunately for you there is a carve out on entertainment bookings with a specific date of performance.

QuietQuillet

DullGreyGuy said:

QuietQuillet said:

powerful_Rogue said:

QuietQuillet said:

JGB1955 said:

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

I assume I have rights under distance selling regs

Nope. Leisure activities for a specfic date are excluded from the 14 day cooling off period.

Thank you, I wasn't aware of that

Were it not the case you and your 10 mates could book a load of seats for every film at the weekend coming and the next and then just on the day decide if you want the cinema at all this weekend or not and cancel them minutes before the showing starts.

You wouldn't be the only ones doing this either, restaurants are increasingly having no-show problems with some guests openingly admitting they booked multiple places so they could decide on the day. At least a restaurant can be more flexible with taking walk ins but the cinema will be odd with the no show pre bookers leaving the centre/best seats empty and those all the on the day bookers in the wings or at the front. 

Personally think distance selling rules are too generous as they stand but unfortunately for you there is a carve out on entertainment bookings with a specific date of performance.

I do understand this. I was basing my expectation of a refund on my previous experiences with other online companies who have refunded for the reason of a change of mind. 

A well known cinema chain has actually refunded me my ticket for change of mind previously. That was for one ticket, as is this current situation. Again, I do understand where you're coming from and agree there needs to be something in place to protect companies as well as consumers. 

DullGreyGuy

PS. as noted however Insurance must have a cooling off period, if its actually insurance, so you can at least get that little bit back