AXA/Coverwise refusing to pay out for flight cancelled due to airline going bankrupt

heatherw_01

Scheduled Airline Failure is often a extra you pay for.

I personally always pay the extra to include it.

If it isn't included in the wording, you aren't covered. Always check with the company rather than assuming, if you can't find an answer.

TurboJim

eskbanker said:

TurboJim said:

jbryce said:

Does your policy include Scheduled Airline Failure? Most insurers don't cover it, and where they do, it is an optional extra.

I've read through the terms & conditions about 5 times now and can find no reference to Scheduled Airline Failure, therefore my assumption would have been that if it's not specifically excluded, then it must be included.

That's the exact opposite of the logic that should be used when ascertaining the scope of an insurance policy - they're set up to cover you for specific identified risks, so if there's no reference to something then you're not covered.

Having said that, I agree that their reference to missing connections doesn't seem appropriate if the real reason is that the policy didn't cover the actual scenario of airline failure....

You're right, it would be silly to assume things are covered if not stated. My thought process when buying the policy was to check what was covered and we actually paid a bit extra to ensure there was cover for "delays" and "missed departure". The policy wording has entries for each section outlining "what is not covered" and at no point does it say cancellation due to airline failure isn't covered. To be honest it's not something I'd really considered as being possible/likely when booking so I wasn't specifically checking for it.

The frustrating part is that they have sent a one sentence response saying "missed connections" aren't covered which makes you wonder if they actually read the claim and understood what was being claimed for. If they'd sent a paragraph apologising and explaining that airline failure was not covered by the policy then I would have had to just accept it and move on.

Seems like I have no hope of making a successful claim but hopefully this illustrates to others the level of customer service provided by this company.