Travel insurance claim

[strippier]

We are due to go on holiday in a few weeks.

Due to illness this is unlikely to happen and expect a doctors note to the effect of cannot fly.

Plan to claim on travel insurance as would be expected.

Holiday is not cancelable due to closeness of flight date.

So assuming I claim off insurance and my monies back can I sell/gift the holiday to family with them paying the name change fee?

[ConnectionError]

Ask you insurance company when you submit the claim

[mitchm]

Going through the same thing at the moment the travel company would not let me sell the holiday day or transfer to someone else due to it being within 30 days of travel. So just cancelled now battling with the insurance company which to be honest I am not that confident in getting anything back .

[No ideas for a name]

strippier said:

So assuming I claim off insurance and my monies back can I sell/gift the holiday to family with them paying the name change fee?

Isn't the obvious answer no? After you have claimed, the holiday is 'owned' by the insurance company and isn't yours to sell or give away.

[Sheepshanks]

No ideas for a name said:

Isn't the obvious answer no? After you have claimed, the holiday is 'owned' by the insurance company and isn't yours to sell or give away.

I don't think it works like that - you have to cancel the holiday, then claim on your insurance.

So at that point there isn't a holiday for the insurance company to own.

By the same token, the holiday company isn't going to allow you to give away the holiday - they'll sell it to someone else. Even if it could be transfered, there'd be no claim then, because you wouldn't be cancelling.

[chippy348]

I think you will be very lucky to get anywhere with this.

My experience was with my late mother who fell ill and sadly passed away just a we embarked on a 3 week Euro road trip.

Sent all the paperwork off as per the ins requests, as my mother died due to a pre existing medical condition = no pay out.

Sharks the lot of them !

[Sheepshanks]

chippy348 said:

…..as my mother died due to a pre existing medical condition = no pay out.

Sharks the lot of them !

I dutifully told them about my Dad’s issues, expecting a premium bump - they said “thanks very much, we won’t be providing cover for those things.”

[loskie]

chippy348 said:

I think you will be very lucky to get anywhere with this.

My experience was with my late mother who fell ill and sadly passed away just a we embarked on a 3 week Euro road trip.

Sent all the paperwork off as per the ins requests, as my mother died due to a pre existing medical condition = no pay out.

Sharks the lot of them !

Why would you expect them to pay out for a known pre existing condition?

[alscar]

strippier said:

We are due to go on holiday in a few weeks.

Due to illness this is unlikely to happen and expect a doctors note to the effect of cannot fly.

Plan to claim on travel insurance as would be expected.

Holiday is not cancelable due to closeness of flight date.

So assuming I claim off insurance and my monies back can I sell/gift the holiday to family with them paying the name change fee?

Sorry that you cannot now go on holiday and hope the Travel insurance claim process is painless.
As soon as you tell the Holiday company you cannot now go in effect they will cancel your booking and resell it.
Were you to be able to sell the holiday then you would not have suffered a financial loss and wouldn't be able to claim on Travel Insurance anyway.

[alscar]

Pre existing conditions are made very clear as to their exclusion or a more esoteric policy has to be purchased which covers them.
Usually at great expense.

[omniflow]

chippy348 said:

I think you will be very lucky to get anywhere with this.

My experience was with my late mother who fell ill and sadly passed away just a we embarked on a 3 week Euro road trip.

Sent all the paperwork off as per the ins requests, as my mother died due to a pre existing medical condition = no pay out.

Sharks the lot of them !

My Dad became quite poorly about 1 month before we were due to go away on a 3 week Euro road trip. I phoned my travel insurance company who said that if I chose to cancel then I wasn't covered, but if he died whilst we were away I would be covered. Unfortunately he died 5 days before we were due to leave, so I cancelled everything and the insurance paid out. However, at the time I booked the holiday my Dad wasn't ill, although he had had a stoma fitted about 12 months previously as a result of bowel cancer, and it was cancer that eventually killed him, so I think the devil is in the detail.

To the OP - I'm really not sure if you're asking a serious question - you want the insurance to pay out for your cancelled holiday, but then you also want to give that cancelled holiday to someone you know. Does that sound in any way to be something you should be expecting to be able to do?

[TwigtheWonderkid]

strippier said:

So assuming I claim off insurance and my monies back can I sell/gift the holiday to family with them paying the name change fee?

Of course. It's well known that insurance isn't just there to cover your losses, but also to enable you to make a handsome profit from your misfortune by claiming full value for something from the insurance and then subsequently selling it on for face vale to someone else

[bad company]

I’ve had some experience of this having handled travel insurance claims for Mrs BC & I, my sister and my mum when mum got a terminal prognosis.

It was easy enough, they needed the doctors prognosis and proof that we’d made the bookings before we were aware. It was really simple.

[MB140]

strippier said:

We are due to go on holiday in a few weeks.

Due to illness this is unlikely to happen and expect a doctors note to the effect of cannot fly.

Plan to claim on travel insurance as would be expected.

Holiday is not cancelable due to closeness of flight date.

So assuming I claim off insurance and my monies back can I sell/gift the holiday to family with them paying the name change fee?

We’re literally going through this with the post office at the moment. Wife has herniated 2 discs in her back, and damaged a vertebrae. We are supposed to be off to LeMans again this year but she can’t walk 50m without a stick and even then is in agony doing it.

We needed a letter from the travel provider (Travel Destinations) that hat the tickets had been voided so couldn’t be used or sold on.

I can’t see the insurance company allowing you to sell them on whilst claiming. They belong to the insurance company once they have paid out.

Oh and I’m fully expecting this to be an absolute nightmare of BS as to why they shouldn’t pay. I’m fully expecting to lose £4.5k.

About 10 years ago I lost £3k on a holiday to Dubai when I was deployed, despite having a policy specifically covering armed forces. They are a bunch of slimy shisters and are held in the same contempt as car warranty companies. It’s about time they were properly regulated.

Edited by MB140 on Tuesday 7th May 12:30

[TwigtheWonderkid]

MB140 said:

About 10 years ago I lost £3k on a holiday to Dubai when I was deployed, despite having a policy specifically covering armed forces. They are a bunch of slimy shisters and are held in the same contempt as car warranty companies. It’s about time they were properly regulated.

Edited by MB140 on Tuesday 7th May 12:30

Which aspect of the existing myriad of extensive regulation, (the FCA, TCF, the 2015 Insurance Act, the ombudsman) is lacking?

[chippy348]

loskie said:

Why would you expect them to pay out for a known pre existing condition?

How would you know All pre existing conditions ? this was my mother, but the result would have been the same from my mother-in-law, i dont have a CSV file of her medical history handy before i get some travel insurance !

In my case it was from a operation some 22 years before and some complications of that is what they picked up on.

[loskie]

sadly you need to answer the questions fully or the individual being insured does. Otherwise the insurer will wriggle out of paying. It's quite well documented.