Travel Insurance Excess

MissHap

A recent flight with Easyjet was turned back , couldn't land due to bad weather, and was turned back, Easjet offered no alternative and refunded the flight.
We had a hotel booked at a special price, no refund, so are claiming the cost back from the travel insurance provider.
I have been informed of the excess on the policy, £150 each which will be deducted, having spoken to them about this they wont move on it and suggested I contact the airline and claim it on there compensation scheme, somebody else has suggested a section 75 on the credit card also.
I'm not really hopefully on either of these but as pensioners I'm loathe to let £300 just slip away through no fault of our own.
Any suggestions from fellow posters would be appreciated.

MissHap

A recent flight with Easyjet was turned back , couldn't land due to bad weather, and was turned back, Easjet offered no alternative and refunded the flight.
We had a hotel booked at a special price, no refund, so are claiming the cost back from the travel insurance provider.
I have been informed of the excess on the policy, £150 each which will be deducted, having spoken to them about this they wont move on it and suggested I contact the airline and claim it on there compensation scheme, somebody else has suggested a section 75 on the credit card also.
I'm not really hopefully on either of these but as pensioners I'm loathe to let £300 just slip away through no fault of our own.
Any suggestions from fellow posters would be appreciated.

elsien

I’m not seeing how section 75 would work here because that’s if the hotel is not able to provide the Service. The hotel were able to provide the service and it wasn’t their fault that you were not able to get there.

 You agreed to the excess when you took out the policy, so the insurer are not at fault although I would be scouring the terms and conditions very carefully about the double excess if you took out a joint insurance policy. Did you, or did you each insure separately?

The airline have have no responsibility for consequential loss.

elsien

Duplicate thread, merge requested

https://forums.moneysavingexpert.com/discussion/6620744/travel-insurance-compensation#latest

MissHap

A recent flight with Easyjet was turned back , couldn't land due to bad weather, and was turned back, Easjet offered no alternative and refunded the flight.
We had a hotel booked at a special price, no refund, so are claiming the cost back from the travel insurance provider.
I have been informed of the excess on the policy, £150 each which will be deducted, having spoken to them about this they wont move on it and suggested I contact the airline and claim it on there compensation scheme, somebody else has suggested a section 75 on the credit card also.
I'm not really hopefully on either of these but as pensioners I'm loathe to let £300 just slip away through no fault of our own.
Any suggestions from fellow posters would be appreciated.

Ayr_Rage

As you are, like me, pensioners that can afford holidays and insurance, being pensioners is irrelevant.

As the hotel was available Section 75 does not apply.

EasyJet have fulfilled their obligations and refunded you and as above if you booked flight only are not responsible for any other losses.

Your travel insurance is the only option.

Exodi

In my opinion, I suspect you won't have any luck here.

EasyJet don't control the weather are not liable to pay compensation for an event that is out of their control (AKA Extraordinary Circumstances). They have refunded the ticket, they are under no obligation to compensate you further, unless as a goodwill gesture.

I'd be careful of who you listen to, as I'm not clear on how a s75 claim would work - I can't see that you'd file it against the hotel because they inevitably had the service available to you to use, nor EasyJet as they have already refunded you in full, so do you file a s75 against the travel insurer, citing the weather? Excesses are a normal part of insurance products.

I appreciate you're loathed to let me money slip away through 'no fault of (y)our own' but the same is true of  EasyJet or the travel insurer.

MissHap

The policy states the excess is per person, I think I'm not gonna get anywhere with this really, clutching at straws but it was worth asking the question.

Exodi

(copying from duplicated thread)

In my opinion, I suspect you won't have any luck here.

EasyJet don't control the weather are not liable to pay compensation for an event that is out of their control (AKA Extraordinary Circumstances). They have refunded the ticket, they are under no obligation to compensate you further, unless as a goodwill gesture.

I'd be careful of who you listen to, as I'm not clear on how a s75 claim would work - I can't see that you'd file it against the hotel because they inevitably had the service available to you to use, nor EasyJet as they have already refunded you in full, so do you file a s75 against the travel insurer, citing the weather? Excesses are a normal part of insurance products.

I appreciate you're loathed to let me money slip away through 'no fault of (y)our own' but the same is true of  EasyJet or the travel insurer.

Voyager2002

Why did you cancel, rather than asking your airline to put you on the next available flight? The airline would have been obliged to pay for your hotel and meals while waiting, and that way you would have been able to enjoy at least some of your holiday.

elsien

Because the OP said that that alternative wasn’t offered.