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Travel insurance claim
Posted: Tue Sep 27, 2022 3:12 pm
by poshrule_uk
Hi
Looking for some help in regards to a travel insurance claim.
Long story short we missed our flight due to being stuck in traffic and the road being closed even though we were on track to be at the airport more than 2 hours early.
They have come back to me and requested evidence of disruption.
I sent them links of the accident and screenshot of my journey in Google map timeline but this don't seem to have worked.
Anyone here with industry knowledge able to advise if there is anything I can do?
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 3:15 pm
by Grumpy David
RetroCora wrote:I worked in travel insurance for over a decade
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 3:19 pm
by Preezy
In my experience, missing your flight is normally only covered if the vehicle you were travelling in suffered a mechanical breakdown.
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 3:34 pm
by RetroCora
Hello. Depends on the situation - some insurance policies cover you for transport issues, but generally it’s very hard to prove that you left enough time for the journey or that the accident/congestion was severe enough that no reasonable additional time could have avoided the miss. I think you might be in a bit of trouble unless you can prove that the road was closed for several hours.
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 3:40 pm
by PatSharpsMullet
Did you drive to the airport yourself or did you go by taxi or coach? If it's by taxi or coach have you tried contacting the company and seeing if they can back up your claim with details on when you left where you were staying?
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 3:45 pm
by poshrule_uk
The road was closed all day as oil spilled onto the road, it's literally a situation I could do nothing about and my Google timeline backs up when we left, shows where we travelled and there's numerous internet articles that detail what occurred. If we had left an hour earlier the result would have been the same.
I could ask the taxi driver to do a letter who took us.
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 3:46 pm
by RetroCora
poshrule_uk wrote:The road was closed all day as oil spilled onto the road, it's literally a situation I could do nothing about and my Google timeline backs up when we left, shows where we travelled and there's numerous internet articles that detail what occurred. If we had left an hour earlier the result would have been the same.
I could ask the taxi driver to do a letter who took us.
That might help. If you don’t mind me asking - who is your insurer?
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 3:46 pm
by poshrule_uk
Staysure
Davies group are dealing with the claim
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 3:53 pm
by Preezy
The current Staysure single trip policy wording states:
Section 4a Missed Departure
What is covered:
We will pay you up to £500 for Basic cover and £1,500 for Comprehensive cover, for reasonable additional travelling and accommodation expenses necessarily incurred to reach your overseas destination or to return to your home country by the most direct route.
If you arrive at the airport, port or international coach or rail terminal too late to commence the first part of your pre-booked international trip, as a result of:
a) breakdown of or accident directly involving the vehicle in which you are travelling; or
b) cancellation or curtailment of scheduled public transport due to adverse weather conditions, strike, or industrial action, or mechanical breakdown, or accident.
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 4:07 pm
by poshrule_uk
Preezy wrote:The current Staysure single trip policy wording states:
Section 4a Missed Departure
What is covered:
We will pay you up to £500 for Basic cover and £1,500 for Comprehensive cover, for reasonable additional travelling and accommodation expenses necessarily incurred to reach your overseas destination or to return to your home country by the most direct route.
If you arrive at the airport, port or international coach or rail terminal too late to commence the first part of your pre-booked international trip, as a result of:
a) breakdown of or accident directly involving the vehicle in which you are travelling; or
b) cancellation or curtailment of scheduled public transport due to adverse weather conditions, strike, or industrial action, or mechanical breakdown, or accident.
So I would be covered then under B?
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 4:09 pm
by Preezy
poshrule_uk wrote:Preezy wrote:The current Staysure single trip policy wording states:
Section 4a Missed Departure
What is covered:
We will pay you up to £500 for Basic cover and £1,500 for Comprehensive cover, for reasonable additional travelling and accommodation expenses necessarily incurred to reach your overseas destination or to return to your home country by the most direct route.
If you arrive at the airport, port or international coach or rail terminal too late to commence the first part of your pre-booked international trip, as a result of:
a) breakdown of or accident directly involving the vehicle in which you are travelling; or
b) cancellation or curtailment of scheduled public transport due to adverse weather conditions, strike, or industrial action, or mechanical breakdown, or accident.
So I would be covered then under B?
No because a taxi wouldn't fall under the definition of scheduled public transport. That would be things like a plane, train, ferry or coach service.
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 4:10 pm
by poshrule_uk
So why would they ask for evidence rather than decline?
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 4:12 pm
by Imrahil
You were a bit unlucky not being able to get bumped to a later flight. I'm assuming you tried to do that on the day?
It happened to me once, and there were spare seats on a flight leaving 4 hours later and I got them free of charge. Although that was over 10 years ago, maybe they don't do that any more.
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 4:14 pm
by Preezy
poshrule_uk wrote:So why would they ask for evidence rather than decline?
Well they need to have all of the evidence available to them in order to fully assess the claim. You'd rather that than them just straight up reject it without considering all of the supporting evidence.
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 4:17 pm
by poshrule_uk
If it's not within there criteria and it's known about know then yes I would rather than waisting time if it's going to reach that conclusion anyway.
I'll jump through the hoops and see what happens.
Thanks for your help.
Re: Travel insurance claim
Posted: Tue Sep 27, 2022 4:27 pm
by Preezy
No worries, I hope you get lucky and have your claim paid!
Re: Travel insurance claim
Posted: Wed Nov 02, 2022 11:57 am
by poshrule_uk
Update!
They paid out the claim!!!
Only £117.80 after excess deducted but better than nothing
Re: Travel insurance claim
Posted: Wed Nov 02, 2022 12:00 pm
by RetroCora
Nice one mate!