[Bobbins]

Originally Posted by carolmc

Just to play "devils advocate" here I would assume that the insurance would/ view the "current FO advice" as being just that - and could have changed in the period between you cancelling and the expected travel date.

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...and that's absolutely fair enough - IF the advice did change.

But the fact is it hasn't. For the claim to be denied seems unfair to me.

Of course this is just my opinion but the Financial Ombudsman Service usually sides with common sense so I would be minded to make a complaint.

Especially as early cancellation could have saved the insurance company money. I supppose perversely it did - they used 'small print' to deny the claim completely!