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Trip Planning Florida Florida Holiday Planning Questions, Suggestions and Tips. |
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28 Mar 20, 07:32 PM |
#11
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Imagineer
Join Date: Feb 13
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28 Mar 20, 08:40 PM |
#12
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Very Serious Dibber
Join Date: May 08
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Can anyone shed light on how far in advance you can cancel your holiday according to FCO advice and be able to claim on travel insurance...
We are DIYing it, but have a Disney hotel and ticket package where the balance is due 60 days before travel. If we don’t pay the balance and then the FCO advice changes to it being good to go I’m not sure where we stand with our flights and other expenses? EDIT: Our insurance policy says we can’t cancel due to FCO advice unless it’s within 28 days of our departure date. Clear as mud - looks like we’d have to pay the balance Edited at 09:09 PM. |
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28 Mar 20, 08:43 PM |
#13
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Proud to wear my Ears
Join Date: Jul 19
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28 Mar 20, 09:18 PM |
#14
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Imagineer
Join Date: Nov 09
Location: Wigan
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OK, so going back to the picture I painted earlier, imagine we have somebody with a balance due at a time when the FCO is still advising not to travel. As I am paying that balance post FCO advice, we are left with no insurance cover on substantial chunk of the holiday cost according to the above.
I am therefore left hoping that either the restrictions are lifted in time for me to travel or the travel company doesn't go into liquidation and can refund me when the cancellations occur. This of course assumes a cancellation happens. If the flight is still on but UK nationals are still banned the travel agency will of course suggest it's not their fault I can't go, and refuse refund on those grounds it's my problem not theirs, and my insurance now only covers my deposit, as they are saying I knew I wouldn't go so wont cover the balance. If I choose not to pay the balance, because it increases my risk of substantial losses, then the travel company can have me for breaching my side of that contract and I lose out on anything I've paid so far, irrespective of whether the FCO advice changes. So having insured my holiday to make sure that if I don't go, I don't lose out. I am left wondering how the only scenario whereby I don't lose out is one where the holiday goes ahead !
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Should I stay or should I go ! |
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4 Apr 20, 07:10 AM |
#15
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Imagineer
Join Date: Nov 09
Location: Wigan
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Anybody got any answers to this ?
I see we have a triangular game of pass the parcel between providers, credit card companies and insurance. Most of which seem to be pointing people towards the other 2 !
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Should I stay or should I go ! |
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4 Apr 20, 08:19 AM |
#16
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Imagineer
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We're DIY too. Paid out for flights (Inc internal flight) and other accommodation but our main cost is our Disney stay. We've booked direct with them and if you read their terms and conditions you can cancel 8 days in advance and receive monies back minus deposit.
So we've already paid in full for a lot and Disney seems to have a decent refund policy and depending on what happens in June we will probably pay balance to Disney. At 8 days out you will probably have a very good idea if you going or not. You could cancel Disney and get monies back but the rest was paid before 18th March so you would be covered. To me having medical insurance is most important. |
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4 Apr 20, 09:07 AM |
#17
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Imagineer
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4 Apr 20, 11:38 AM |
#18
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Apprentice Imagineer
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I'll give my view, and that's all it is.
If the holiday is still on i.e. flights not cancelled then you should pay the balance on the basis that you are still travelling. If the holiday does not go ahead because the flight is cancelled, then the travel company should refund you. If they refuse or make it difficult then you could try the CC company. Ultimately, the CC should side with you and refund the money if you are in the right as per Section 75 cover or Chargeback. In the event that the travel agent folds, then ATOL should refund you. If there is any left-over expenses not covered in the scenarios above, then travel insurance 'could' cover you if the FCO is still advising against travel to your destination for the period of travel, and you bought before the pandemic was known by your insurer. Your travel insurance will still provide some medical cover, personal liability, emergency assistance/repatriation (!?), baggage cover, delay cover and limited cancellation (delays to the airport, pre-travel illness, bereavement etc). There are 'cancel for any reason' policies but these are usually top tier with higher premiums and most people don't buy them as they are generally overkill. Except now perhaps. Just my 2 cents, and that's the logic I'm applying for our August holiday if it doesn't go ahead. I don't expect to have to claim on the travel insurance at all, and look on it as a last resort in this specific cancellation scenario. |
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