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Old 30 Mar 20, 04:31 PM  
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#21
maidmarian
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Originally Posted by BruTamUK View Post
So basically we would be screwed!
If we refuse the vouchers as they are no use due to work/leave restrictions we wouldn't be able to claim anything through insurance for the original booking.
We would be praying the supplier will offer a refund instead (not likely for things like villa bookings when the T&C's recommend taking out insurance!).
What's the point having insurance when a unusable voucher voids any claim.
We're in the same boat, Nationwide insurance. We definitely will not be accepting any vouchers from anyone as that's lunacy! Anything could happen between now and using that voucher. We're waiting for Virgin to cancel our flight then we'll be demanding a refund. As for our villa we'll have to claim on the insurance. It's a bloody mess all round 😩
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Old 30 Mar 20, 04:37 PM  
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Noodle500
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Originally Posted by BruTamUK View Post
So basically we would be screwed!
If we refuse the vouchers as they are no use due to work/leave restrictions we wouldn't be able to claim anything through insurance for the original booking.
We would be praying the supplier will offer a refund instead (not likely for things like villa bookings when the T&C's recommend taking out insurance!).
What's the point having insurance when a unusable voucher voids any claim.
It would be better if vouchers were valid for two years. It seems operators don't want to pay out and say claim on your insurance. Insurers are saying check with provider for compensation
Our decision day is in June where we pay over £3.5 k over to Disney. But as we have booked direct apparently we can cancel 8 days before and get refund less deposit.
It's a risk assessment of what you would get back if you paid any more cash over. Don't want to throw good money after bad.
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Old 30 Mar 20, 04:40 PM  
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Moorlandman
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All insurance is the same. The refund needs to come from the tour operator/agency. Don’t be fobbed off with a voucher, under EU law you are entitled to your money back
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Old 30 Mar 20, 04:42 PM  
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#24
BruTamUK
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Originally Posted by Noodle500 View Post
It would be better if vouchers were valid for two years. It seems operators don't want to pay out and say claim on your insurance. Insurers are saying check with provider for compensation
Our decision day is in June where we pay over £3.5 k over to Disney. But as we have booked direct apparently we can cancel 8 days before and get refund less deposit.
It's a risk assessment of what you would get back if you paid any more cash over. Don't want to throw good money after bad.
That's what it feels like, throwing good money after bad.
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Old 30 Mar 20, 04:45 PM  
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BruTamUK
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Originally Posted by Moorlandman View Post
All insurance is the same. The refund needs to come from the tour operator/agency. Don’t be fobbed off with a voucher, under EU law you are entitled to your money back
But when the flight is cancelled by the airline and the separate hotel booking is not cancelled why would the accommodation be refunded?
Same with the villa booking. The T&C's state no refund if we cancel which we would have to if the flight is cancelled. This is where we'd rely on insurance but they seem to be twisting the rules.
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Old 30 Mar 20, 05:03 PM  
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#26
Moorlandman
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Originally Posted by BruTamUK View Post
But when the flight is cancelled by the airline and the separate hotel booking is not cancelled why would the accommodation be refunded?
Same with the villa booking. The T&C's state no refund if we cancel which we would have to if the flight is cancelled. This is where we'd rely on insurance but they seem to be twisting the rules.
You will need to ask for written confirmation from both the villa owner and the hotel that they will not offer you a refund and the reason why. You can then present this to your insurer for reimbursement.
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Old 30 Mar 20, 11:33 PM  
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harty
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Originally Posted by LLamb View Post
Page 21 of the policy document


”Any claim where compensation is available from your transport operator (forexampleduetoEUPassengerRights) unless you provide a document from them explaining why no compensation was given“
I took it to mean in relation to abandonment / delays rather than this scenario where by airlines are cancelling

Missed, Delayed or Abandoned Departure
This section provides cover if:
• Youareunabletoreachyourpointofdepartureorconnectio nintimeduetooneofthereasonslistedbelow.
• Youaredelayedformorethantwohoursaftercheckin.
• YouareunabletoreturntotheUKonyourplannedreturndate .
• Youchoosetoabandonyourtripfollowingadelayof12hours ormore(sixhoursforatripoffournightsorless). You are covered for
Missed Departure or Connection
We will pay up to £1,000 (£500 for trips inside your home area) for each insured person for reasonable extra accommodation and travel costs if you fail to arrive at your point of departure or connection in time to board your pre-booked aircraft, ship or train.
Reasons for missed departure or connection
1. Public transport delay: the delay of scheduled public transport (not taxis) in which you are travelling to your departure point.
2. Caraccidentorbreakdown:thevehicleinwhichyouaretrav ellingbeinginvolvedinanaccidentorbreakingdown.
3. Trafficdelay:thevehicleinwhichyouaretravellingbein gdelayedbyheavytrafficorroadclosuressevereenoughto bereportedthrougha
recognised media channel.
This cover applies to your outward and return journeys and any pre-booked transport during your trip.
Delay Benefit
We will pay £10 per insured person after the first two hours and an additional £10 every following four hours up to a limit of £250 if you have arrived at your point of departure or connection and your pre-booked aircraft, ship or train is delayed. You must have already checked in.
Delayed Return
We will pay up to £500 for any extra car parking, kennel, cattery, or professional pet sitter costs if for reasons outside your control, you can’t return to the UK on your planned return date.
Abandoned Departure (outbound only)
We will pay up to £5,000 for each insured person for their portion of the trip costs if you choose to abandon your trip on your outward journey at your point of departure because your pre-booked aircraft, ship or train is:
1. Delayed by more than 12 hours ( 6 hours for a trip of four nights or less) beyond the departure time shown on your travel ticket on your
outward journey.
2. Cancelledfollowingadelayandyourtransportoperatoris unabletoprovideyouwithareplacementfromyourpointofd eparturewithin
12 hours of the original departure time on your outward journey. This includes the cost of:
• Deposits.
• Commercially operated accommodation and travel costs.
• Car hire.
• Excursions and activities.
• Kennel, cattery, professional pet sitter costs.
• Car parking charges.
• The value of used points or miles if you booked your flight or accommodation using Avios or a similar promotional scheme.
If you choose to travel to your destination another way, we will cover the extra cost or the cost to abandon your trip, whichever is lower.
You are not covered for
We won’t pay for:
1. Any claim if you do not allow enough time to arrive at your point of departure or connection for delays, transfers, switching between transport
types, checking in, airport security and passport control, as recommended by your transport operator.
2. Anyclaimformisseddepartureorconnectionwhereyouaret ravellinginavehiclethatyouownandwhichhasnotbeenser vicedand
maintained to the manufacturer’s instructions or runs out of fuel or power.
3. Anyclaimarisingfromastrike,anyformofindustrialacti onorpossibledelaythathadbeenannouncedorhadstartedb eforeyouopenedyour
Nationwide FlexPlus current account, or booked your trip, whichever is later.
4. Anyclaimwherecompensationisavailablefromyourtransp ortoperator(forexampleduetoEUPassengerRights)unles syouhaveadocument
from them explaining why no compensation was given.
5. Theunusedcostsofanypersonwhoisnotinsuredbythispoli cy.Ifyouaretravellingwithsomeonewhoisnotinsuredund erthispolicy,wewill
only pay your portion of any costs even if you have paid their costs as a gift.
6. AnyclaimforAbandonedDepartureduetothefailureofyour transportoperatorortheiragents.
7. Anythingmentionedinthegeneralexclusions(page17).
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Old 30 Mar 20, 11:41 PM  
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#28
harty
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Sorry - bit of a long post there.

I am not an expert by any means. I find insurance policies complex to understand especially what exclusions apply when.
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Old 31 Mar 20, 04:15 PM  
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#29
DisneyPete
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I can well understand what airlines are trying to do here.
Keep the money and the customer - then add more money for next yea's booking on top of the voucher, hoping customer prefers to go via insurance and saves them having to pay out.
And a lot of these guys also want us taxpayers to start bailing them out as well so that our taxes will go up next year as a result!
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Old 31 Mar 20, 05:35 PM  
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#30
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Hmm well I’ve just had a reply from Nationwide it seems that if you amend dates and don’t have to pay extra then you still have cover but if you have to pay more then that is counted as a new booking, also any upgrades to a pre 18/3 booking also mean no Coronavirus cover.

With the other thread saying how virgin are charging more to change dates even if the flights actually show cheaper online, it appears there’s no insurance advantage to amending dates
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