Holiday ruined

daveyjp

With travel insurance you need to be clear which section of cover you were claiming against. If you have claimed for abandonment their response may be correct.

If you had cover for disruption caused by strikes and industrial action whilst on your trip this is the section you need to claim against.

For example my policy has £1,000 cover for the following:

For you to get to your destination

or back home if you’re not allowed

to board your pre-booked transport

for reasons outside of your control

and no suitable alternative is

provided that is scheduled to

depart within 24 hours of your

original departure time.

Grumpy_chap

https://forums.moneysavingexpert.com/discussion/comment/82006574#Comment_82006574

It might just be me, but when you say the non-available train was a transfer to the next part of the holiday, was the train all originally booked as part of a package tour with the single company, or was the train booked separately? Be very precise as sometimes, travel agents might sell separate parts rather than a fully bonded package.

Whether or not the train is part of a package holiday really makes a difference to your rights and the legislation that applies.

Billozz662

https://forums.moneysavingexpert.com/discussion/comment/82006652#Comment_82006652

We didn't claim for any particular section of our insurance we told them what happened and expected to be covered, how can travel insurance NOT cover you for a train strike 😂

Billozz662

https://forums.moneysavingexpert.com/discussion/comment/82006662#Comment_82006662

It was booked as part of the whole package

oldernonethewiser

https://forums.moneysavingexpert.com/discussion/comment/82006663#Comment_82006663

By having industrial action as an exception to their coverage - easy.

What happened as a result of not being able to travel?

Billozz662

https://forums.moneysavingexpert.com/discussion/comment/82006774#Comment_82006774

We lost the holiday and had to travel home

Aylesbury_Duck

https://forums.moneysavingexpert.com/discussion/comment/82006663#Comment_82006663

If the policy says it doesn't. It's generally a good idea to read all the policy terms before purchasing and relying on the policy, not after a loss has occurred.

Flugelhorn

I think strikes are often not included - I presume the train journey was to join a cruise or similar ?

born_again

https://forums.moneysavingexpert.com/discussion/comment/82006786#Comment_82006786

Can we take that this was holiday based around train travel?

Who was the travel company? Is this a accompanied tour?

While the strike was announced a week before, they will have been hoping it was resolved before you arrived.

Why travel home? Car hire, taxi etc will get you to your destination, just the same as train might have done.

Billozz662

https://forums.moneysavingexpert.com/discussion/comment/82006833#Comment_82006833

It's not about the strike is about the fact that had they warned us about the strike we would have had a chance to change things they knew a week before and said nothing