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Subject Topic: Holiday Insurance. Is it just me?
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PersonPigletandTigger
30/7/2012 at 10:12pm
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As Martytoon says, the premium isn't going to be refunded as the policy has been used.



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Piglet


Personsnowy747
30/7/2012 at 10:13pm
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It will state per event, 2 people were unable to attend in this case so I presume that triggers two excesses.

Ali


PersonJackieandSteve
30/7/2012 at 10:33pm
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Quote: Originally posted by tango55 on 30/7/2012
In the small print it will state somewhere that due to any claim there will be a £50 excess charge. This you would have to pay under any circumstance but I think that where you should take this up with the ombudsman is the fact that only one claim has been made and yet the company has charged £100 for the single claim. Also look in the terms and conditions regarding the premium and see what it states regarding this also but I'm sure that you most certainly have a valid case unless there were two independent insurance policies in which case it would be £50 excess for each policy.


One claim hasn't been made though 2 have as it was 2 people insured and both are claiming.

As for the premium of course you can't claim that back if your car was written off would you want your premium back too?

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Jackie


Persontango55
30/7/2012 at 10:45pm
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Quote: Originally posted by snowy747 on 30/7/2012
It will state per event, 2 people were unable to attend in this case so I presume that triggers two excesses.

Ali
If the insurance policy was taken out in joint names it makes no difference as there should only be one excess fee for any one claim. The claim was made on one single policy therefore the excess is £50 and not a penny more. Personally I would take this up with the ombudsman because too many times these insurance companies make up their own rules when a claim is made merely for the benefit of the company and not the customer. I know, I've been there myself in 1998 and although it's a long story, basically an adamant car insurance company tried swindle me out of £2,000 to which I said I would take the matter further to which I did. However I did win my case only because I knew that the rules laid down by their own terms and conditions were being manipulated to avoid paying out. 


PersonGraham
30/7/2012 at 10:52pm
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Thanks Jackie,

Thank goodness it was only my mother-in-law who was "written off"

Perhaps we should leave it at that eh folks.

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Snowmen fall to earth in kit form........

Every day is a gift..That's why it's called the present.

Nostalgia is not what it used to be.

Stressed is just 'Desserts' spelt backwards


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Personsnowy747
31/7/2012 at 6:47am
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No Tango, per person, per event.

Aviva

See above, for instance.

Ali - a lifetime in financial services



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