Travel Insurance
Discussion
Avoid Virgin Money.
Beginning of 2020 my flight home was cancelled and the first available seat on an alternative flight was two days later, resulting in two nights' extra accommodation and a delayed return. Not to worry, I thought, I bought the most expensive, maximum cover travel insurance, I'll make a claim. According to the policy wording, they'd pay for the extra hotel nights, additional flight costs, telephone calls, etc and even offered a small per diem for each day of delay.
In the event, though, they paid the per diem amount and just refused to pay the other amounts (accommodation, telephone, etc) detailed in the policy wording. They kept requesting I re-send receipts, cancellation details etc over and over again, and said they were 'investigating' and 'escalating' but never responded each time.
I just gave up chasing in the end, so I ended up just taking the hit. The per diem they paid was of course a fair bit less than the premium I'd paid for the insurance in the first place. So I can't recommend.
Never had to claim on any other travel policy before, except many years ago with Direct Line and that was pretty straightforward so far as I recall.
Beginning of 2020 my flight home was cancelled and the first available seat on an alternative flight was two days later, resulting in two nights' extra accommodation and a delayed return. Not to worry, I thought, I bought the most expensive, maximum cover travel insurance, I'll make a claim. According to the policy wording, they'd pay for the extra hotel nights, additional flight costs, telephone calls, etc and even offered a small per diem for each day of delay.
In the event, though, they paid the per diem amount and just refused to pay the other amounts (accommodation, telephone, etc) detailed in the policy wording. They kept requesting I re-send receipts, cancellation details etc over and over again, and said they were 'investigating' and 'escalating' but never responded each time.
I just gave up chasing in the end, so I ended up just taking the hit. The per diem they paid was of course a fair bit less than the premium I'd paid for the insurance in the first place. So I can't recommend.
Never had to claim on any other travel policy before, except many years ago with Direct Line and that was pretty straightforward so far as I recall.
gregch said:
Avoid Virgin Money.
Beginning of 2020 my flight home was cancelled and the first available seat on an alternative flight was two days later, resulting in two nights' extra accommodation and a delayed return. Not to worry, I thought, I bought the most expensive, maximum cover travel insurance, I'll make a claim. According to the policy wording, they'd pay for the extra hotel nights, additional flight costs, telephone calls, etc and even offered a small per diem for each day of delay.
In the event, though, they paid the per diem amount and just refused to pay the other amounts (accommodation, telephone, etc) detailed in the policy wording. They kept requesting I re-send receipts, cancellation details etc over and over again, and said they were 'investigating' and 'escalating' but never responded each time.
I just gave up chasing in the end, so I ended up just taking the hit. The per diem they paid was of course a fair bit less than the premium I'd paid for the insurance in the first place. So I can't recommend.
Never had to claim on any other travel policy before, except many years ago with Direct Line and that was pretty straightforward so far as I recall.
I think they must use the same claims handlers (i.e. insurance co) as Nationwide, we had exactly that experience of details being requested time and time again by different names in the same organisation and along the way saying that we had already been paid for the flight refunds by the airline so that was being deducted from the claim so we were due nothing, trouble was we had never claimed for anything to do with flights only for accommodation we had to arrange due to the airline leaving us stranded (this was at the start of the Covid nonsense). Took nearly 2 years in the end and was only sorted when we managed to get it escalated to somebody very senior, it was due only my wife's dogged determination that they were not going to get away with it that saw us get paid out.Beginning of 2020 my flight home was cancelled and the first available seat on an alternative flight was two days later, resulting in two nights' extra accommodation and a delayed return. Not to worry, I thought, I bought the most expensive, maximum cover travel insurance, I'll make a claim. According to the policy wording, they'd pay for the extra hotel nights, additional flight costs, telephone calls, etc and even offered a small per diem for each day of delay.
In the event, though, they paid the per diem amount and just refused to pay the other amounts (accommodation, telephone, etc) detailed in the policy wording. They kept requesting I re-send receipts, cancellation details etc over and over again, and said they were 'investigating' and 'escalating' but never responded each time.
I just gave up chasing in the end, so I ended up just taking the hit. The per diem they paid was of course a fair bit less than the premium I'd paid for the insurance in the first place. So I can't recommend.
Never had to claim on any other travel policy before, except many years ago with Direct Line and that was pretty straightforward so far as I recall.
Just went through this for a new family annual multi-trip. Ended up with Liverpool Victoria. The rate was in the top ten on the usual comparison sites, but most of the rest of the slots were taken with noname brokers with no discernible history, fronting a re-insurer based in Turkmenistan. I'd rather pay up another £50 for a firm with an office visible on street view.
It covers up to 90 day trips, policy holders can travel separately, has configurable bits for winter sports, diving, cruises etc. Smooth process, though the real test as always will be at claim time.
It covers up to 90 day trips, policy holders can travel separately, has configurable bits for winter sports, diving, cruises etc. Smooth process, though the real test as always will be at claim time.
Waitforme said:
Just took out an annual policy yesterday with Admiral, afaik no stipulation on length or trip.
I'd give it a quick check .. in my experience, annual policies are limited to trips of 31 days or so; single trip policies can be up to a 365 day trip. But, of course, it's whatever your documents say.bigandclever said:
I'd give it a quick check .. in my experience, annual policies are limited to trips of 31 days or so; single trip policies can be up to a 365 day trip. But, of course, it's whatever your documents say.
Lots of annual policies give a choice of max trip duration… 30,60 or 90 days in most cases. You are right on single trip though, many can cover up to a year or longer for a single trip. carboy2017 said:
I need to get a new travel insurance and as i have trip which will be 60 to 65 day want to know a good company to insure with as most are only doing for 30 days per trip
pls let me know any who will do more than 60 days
I've literally just done this. "Cover for you" Annual policy included 62 consecutive days away. There is only one other company that comes up with 60+ days when you search on money supermarket. pls let me know any who will do more than 60 days
I paid £280 for ALL world Inc USA. Early 50s high blood pressure and partner with Lupus which adds a chunk.
Waitforme said:
Just took out an annual policy yesterday with Admiral, afaik no stipulation on length or trip.
Double check that. They are s
t hot on it as don't want expats abusing it. FYI, single trip for us for two months cost £120 MORE than an annual policy! ( same company) . Go figure!?
Edited by Griffith4ever on Thursday 3rd November 18:20
Griffith4ever said:
I've literally just done this. "Cover for you" Annual policy included 62 consecutive days away. There is only one other company that comes up with 60+ days when you search on money supermarket.
I paid £280 for ALL world Inc USA. Early 50s high blood pressure and partner with Lupus which adds a chunk.
Post Office, Navigator, LV, Staysure. Just Google long stay travel insurance. Lots of choiceI paid £280 for ALL world Inc USA. Early 50s high blood pressure and partner with Lupus which adds a chunk.
Not sure if this will show but over 20 companies offering three months cover.
https://www.moneysupermarket.com/travel-insurance/...
Edited by craig1912 on Thursday 3rd November 18:35
craig1912 said:
Griffith4ever said:
I've literally just done this. "Cover for you" Annual policy included 62 consecutive days away. There is only one other company that comes up with 60+ days when you search on money supermarket.
I paid £280 for ALL world Inc USA. Early 50s high blood pressure and partner with Lupus which adds a chunk.
Post Office, Navigator, LV, Staysure. Just Google long stay travel insurance. Lots of choiceI paid £280 for ALL world Inc USA. Early 50s high blood pressure and partner with Lupus which adds a chunk.
Not sure if this will show but over 20 companies offering three months cover.
https://www.moneysupermarket.com/travel-insurance/...
Edited by craig1912 on Thursday 3rd November 18:35
I found when I searched for annual insurance with extended stay cover there were loads of results claiming they cover extended holidays, , but when you get to their site, it's the usual 31 days.
Gassing Station | Holidays & Travel | Top of Page | What's New | My Stuff