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Travel insurance provider cancelled my policy
Dymond11
Posts: 6 Forumite
Hi all,
So I've been hunting around for travel insurance (doing the SE Asia route and Oz from February) and came across a discount with one provider that I got a quote through.
When applying the discount it brought the premium down to £0 - I clicked through and went to the payment page and bought the cover (actually paid £1) and was sent my policy documents etc.
I just had a phone call from the provider telling me they have cancelled my policy due to it being an error. Can they actually do this once I've bought the cover and been issued policy documents, essentially leaving me uncovered?
Regards,
Jon
So I've been hunting around for travel insurance (doing the SE Asia route and Oz from February) and came across a discount with one provider that I got a quote through.
When applying the discount it brought the premium down to £0 - I clicked through and went to the payment page and bought the cover (actually paid £1) and was sent my policy documents etc.
I just had a phone call from the provider telling me they have cancelled my policy due to it being an error. Can they actually do this once I've bought the cover and been issued policy documents, essentially leaving me uncovered?
Regards,
Jon
0
Comments
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Yes they can.....did you really think you were going to get free insurance.
If your trip is not till February then how are you uncovered?0 -
Yes they can.....did you really think you were going to get free insurance.
If your trip is not till February then how are you uncovered?
Presumably uncovered for cancellation between now and then.
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I know to expect the 'did you really think..' etc. response but I'm talking just from the standpoint of do they have to honour it as a legal contract, regardless of it presumably being an error.0
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I know to expect the 'did you really think..' etc. response but I'm talking just from the standpoint of do they have to honour it as a legal contract, regardless of it presumably being an error.
Yes, they can cancel the policy as regards future events. However, had you suffered a claimable event between buying it and them cancelling it, they'd have had to pay out any claim. So you were insured for a short period of time, but now have to find alternative cover for future events.0 -
https://www.telegraph.co.uk/finance/personalfinance/insurance/2793921/Hastings-Direct-fined-by-FSA-after-car-insurance-pricing-error.html
A similar case although the fact your premium was zero makes a big difference.
If you make an "Official Complaint" you may find they send you £50 go away money
Worth giving the FCA a heads up on it as they may take similar action if this affeced a large number of people (They tend not to be bothered by individual cases)0 -
Where does this leave the OP to the typical 'have you ever had an insurance policy cancelled?' question?0
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