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declined travel insurance claim (UK)?

I have had my travel insurance claim declined. The insurance company made it clear that it is their final response to the issue and advised if I am still unhappy to refer the matter to financial ombudsman service.
I would like to know how useful this might be or whether it would be better to use insurance claim assessors service instead. Possibly, could I forward the matter to both financial ombudsam and private company for further investigation.
Thank you for all your answers.

Well, you need to do two things: 1. read the entire policy coverage. 2. Look at the declination reason, and see if the reason they cite is in agreement with the policy wording.

If the policy only covers cancellations for XYZ reasons, and your reason is W, then taking further action isn’t going to help you AT ALL – it’s not in the contract.

If the polciy covers ANY cancellation reason except XYZ, and your reason is X, well, ITS EXCLUDED.

Travel insurance, like long term care coverage, isn’t what people think it is when they buy it – you need to know EXACTLY what’s covered, for how long, and why, BEFORE you hand over the money.

Dubai Tourism – Travel Insurance – www.pricedigger.co.uk


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Looking for Affordable international travel insurance? Search Online

For all those people who travel frequently for leisure or business purposes, international travel insurance is of the utmost importance. Travel insurance generally covers expenses related to medical, theft, loss or damage of luggage during the period of traveling. Some online travel insurance plans provide coverage for cancellation of flights and medical evacuation as well.

With the vast amount of international travel insurance companies in the market, choosing the one that best meets your travel insurance needs is not an easy task.  You must bear certain things in mind before getting travel insurance.

1. The first thing is to ensure that the international travel insurance company has a good reputation.
2. You must try to find out any customer reviews about the company.
3. Look for travel insurance that is underwritten by one of the big insurance companies.

It is an advantage if the insurance company has a good reputation and customer service, this will help you in getting the travel insurance plan for your needs.

You must also read the travel insurance document thoroughly to understand the particulars surrounding your insurance policy and whether it covers you and the activities you will do on your holiday. Ask about the type and extent of coverage that the company provides to its clients. It is better to know these details well in advance to prevent any misunderstanding at later stage.

Lastly, check out the price of travel insurance – the price of the insurance policy must justify the coverage provided by it. You need to do some proper research to find the cheapest and the best international travel insurance deal for you.

If you want to get an affordable international travel insurance plan, consider online travel insurance. Online travel insurance offers several advantages over the conventional travel insurance providers. It is easy, quick and an economical way of getting the travel insurance plan suited to your insurance needs.  

There are many insurance companies that give travel insurance quotes online.  All you need to do is fill in their online application form and answer simple questions related to your travel destination and duration. Apart from being quick and convenient, online travel insurance can save you money. Just by doing some research on the Internet, you can find an online travel insurance deal that is perfect for you.

 

About the Author

AAMI is a leading travel insurance, car, home, compulsory third party (CTP) and small business insurer in Australia. AAMI was established in 1970 and today has more than 2.5 million policyholders and millions of incoming telephone calls annually.

Cheap Home insurance, House, Car, Motor, Travel Insurance Online car insurance Cheap Car


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Can any one say best insurance site,which dealing with better travel insurance policies of different companies?

I want to know benefits of insurance policies of different companies before buy travel insurance policy

You can go to the website www.easyinsuranceindia.com which is an online insurance selling portal which sells all types of insurance online.You can search for travel insurance in that portal.Then you can compare the premium and the features of different companies like icici lombard,Bajaj allianz,iffco tokio.You can purchase your travel insurance policy online using your credit/debit card.

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law advice please?

my boyfriend started him new job 6 months ago,they asked for ID so he gave them his short birth certificuit.nation insurance numer, previous wage slips ect and his change of name deed poll form.
they acccepted these but are now saying new lawa need a full birth certifucut.for this he will need to travle back to his home town as they wont issue it hear and this is causing loads of inconvianiance (spellings! ). now i just spoke to a friend and he said by law they cant make him do this,they need to exept the short birth certifucut,. they said if he dont give in the full one they will give him a disiplinary and sackhim. is it true they cdant do this or are they doing what there aloud, any light shed on this will be a great help

To obtain a full birth certificate , it will take time !
Please ask to friend to ask his employer for leave and go back to his place. obtain the certificate and then rejoin duty !
There is no shortcut for this !!

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What rights do I have if the cruise line cancels my cruise due to mechanical failure?

In addition to refunding my fare paid and 1/2 off of that fare on a future cruise, I had to rebook the cruise immediately because we had a wedding planned on one of the island ports. The cruise was cancelled the day before we were scheduled to depart and we grabbed the last two cabins on another cruise line, which cost us double for cabins and another $700 plus for transportation just to get to and from another port. The travel insurance purchased covers nothing because it was the cruise line’s fault. Any advice on how to seek any reimbursements or any knowledge about what cruise lines might do in this case? Thanks!

I agree that it sounds like you were very fairly compensated. What does it say in the “fine print” on your cruise documents? That will tell you what your rights are. You DID get a reimbursement for what the cruise line “owed” you.

Not that it does you any good now, but there may be some insurance policies that would have covered you even for cancellation by the cruise line. But, in any case, that would probably have simply covered your costs for that cruise, not for any other arrangements you chose to make. It might have cost you less to just fly to the port where your wedding was scheduled, but, again, you made your choice about what to do. That is not the cruise line’s responsibility.

Travel Insurance – Do I need Travel Insurance? – TOWER


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