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Old 15 Aug 20, 07:09 AM  
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#46
munmun
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Join Date: May 10
Originally Posted by WendyWilson View Post
I’ve also had my insurance claim refused because I cancelled the villa more than 28 days before we were due to travel. This is despite the fact that VA cancelled our flights & the FCO state we are unable to travel to the USA.

RBS Insurance will not refund our villa deposit. I didn’t try to make a claim with them more than 28 days before we were due to fly as they won’t allow you to do so. However, as I cancelled the villa as soon as I found out our flights were cancelled, they are refusing my claim! Utterly ridiculous as if I’d have waited any longer, the full amount was payable and I’d have lost that. I’m absolutely fuming

I lodged a complaint with their complaints department who replied to me with a quote from their insurance policy booklet saying they were simply refusing my claim.

Needless to say I’ve written to the ombudsman. If nothing else, it helped me get it off my chest.

I think the insurance company are looking at this very black and white when circumstances are not so. I’m certain there are many people in exactly the same situation. I’m hoping The ombudsman has a more common sense approach - we’ll see.
While I totally agree this is just plain stupid I guess the insurance companies are suggesting you could have waited to see if FCO advice was lifted and then booked other flights. You made the choice to cancel the villa because those particular flights were cancelled without waiting to see if you could get other flights and travel.

Please note I would have done what you did but you live and learn. I guess this is the another issue with an unpackaged holiday
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