Holiday Insurance Claim

[nealeh1875]

Hi guys,

Looking for some advice i think i pretty much know the answer for.

I was due to go on a cruise on Friday, long story short me and the mrs split up over the weekend.
The cruise is with all her family so i have said i will not go for obvious unimaginable awkward reasons.

Anwho, i need to know where i stand with potentially claiming on my insurance to not go. I obviously don't want to commit insurance fraud but i am curious to know if anyone has cancelled, claimed and been successful/unsuccessful in getting money back due to a breakup.

What wording in my policy do i need to look out for? I'm pretty sure they don't cover 'break up's but all help and advise would be appreciated.

Cheers,
Neale

(Mods please move if not in the correct forum)

[superlightr]

that was bad timing. Where was the cruise to?

[pavarotti1980]

Can she not find someone to take your place (on the cruise only i mean) and pay to change details and then you can get the money of them

[nealeh1875]

Extremely bad. I think we was both looking forward to it as it's been a bit rocky but that's another story for another day.

Would of been around Italy/several greek islands and Croatia

[slow_poke]

Cruising for a bruising, I reckon.

Bad luck on the timing there, OP.

[anonymous-user]

In your policy document there will be a definition of the reasons that allow you to cancel the holiday and claim.

I doubt this will be covered but it really does depend on the policy wording.

[nealeh1875]

pavarotti1980 said:

Can she not find someone to take your place (on the cruise only i mean) and pay to change details and then you can get the money of them

Will speak to her about that but

1) I don't know if she will do that
2) I don't think her pals have got £1500.00 on such short notice unfortunately

[nealeh1875]

slow_poke said:

Cruising for a bruising, I reckon.

Bad luck on the timing there, OP.

Definately, just a extremely frustrating to loose £1500

desolate said:

In your policy document there will be a definition of the reasons that allow you to cancel the holiday and claim.

I doubt this will be covered but it really does depend on the policy wording.

Any particular wording i need to look out for? wanted to be 100% before i called them, say something which wont cover me

[anonymous-user]

nealeh1875 said:

Any particular wording i need to look out for? wanted to be 100% before i called them, say something which wont cover me

There will be a section that covers holiday cancellation an/or inability to travel.

There isn't anything you can say that will change the facts so just stick with them.

[pavarotti1980]

nealeh1875 said:

Will speak to her about that but

1) I don't know if she will do that
2) I don't think her pals have got £1500.00 on such short notice unfortunately

offer a repayment plan for them

[anonymous-user]

I'd be amazed if you have an insurance plan that covered you voluntarily choosing not to go. That would be one expensive policy! - probably about the same price as the holiday purchased.

As much as it is clearly a no-go, you are still choosing not to go. Not being forced into it.

[TooMany2cvs]

RogerDodger said:

I'd be amazed if you have an insurance plan that covered you voluntarily choosing not to go. That would be one expensive policy! - probably about the same price as the holiday purchased.

As much as it is clearly a no-go, you are still choosing not to go. Not being forced into it.

^This.

Also, the cruise is still being taken. It's just that one person isn't going out of the booked party. With, presumably, a shared cabin, the refund is going to be fairly small - because the difference between that cabin being used by two and by one (with single supplement) is going to be small. I suspect it was a joint travel insurance policy with the missus, too.

In the grand scheme of the divorce, writing the flight tickets off is going to be cheap...

[nealeh1875]

Thanks Guys

That was my thought to be honest. Guess i just wanted to try and salvage at least something back on a sh*t situation.

oh well, just put it down to experience!

Thanks all

[davek_964]

It could have been worse - splitting up once you were on the cruise ship....

Genuine sympathies though - can't be much fun.

[Steve Campbell]

Am I the only one thinking just go on your own ?

[Monkeylegend]

nealeh1875 said:

Definately, just a extremely frustrating to loose £1500

You obviously weren't into the marriage then if that's what you are concerned about

Claim it back from the divorce settlement.

[roadsmash]

All the best OP

[matjk]

You’re snookered, you have a choice of 3 options,
1) go and have an incredibly uncomfortable week and lose the money
2) don’t go and lose the money
3) hope you have an “accident” so some description and claim on “medical grounds”

you will NOT be covered for a break up , you need a much better reason that’s beyond your control.
Have a look in the cancellation section and see if you can find a get out but you’re going to need to have a horrible real incident happen or be creative ! It’s a bummer for sure

[Chrisgr31]

nealeh1875 said:

Will speak to her about that but

1) I don't know if she will do that
2) I don't think her pals have got £1500.00 on such short notice unfortunately

Even if they only have £100 you would be better off than you are now!

[Muzzer79]

Chrisgr31 said:

nealeh1875 said:

Will speak to her about that but

1) I don't know if she will do that
2) I don't think her pals have got £1500.00 on such short notice unfortunately

Even if they only have £100 you would be better off than you are now!

This - sell it at a loss

You won’t be covered by travel insurance, so you can either lose £1500 or sell it at a loss and lose, say, £1000