Do travel insurance premiums go up if you claim?

FlorayG · 24 Feb 17, 04:53 PM

I'm now wondering whether I should try to claim the air fares back from our holiday. They were Ł350 and the travel insurance was over Ł200 because of mom's age. If I claim this now (unfit to fly) do I have to declare it for future holidays and will this then make the cost of the insurance prohibitive?
Would I be better off counting the air fare as a sunk cost and not claim? Fortunately, that's the only loss on the holiday as the hotel was booked on a 24 hour cancellation booking. I'm wondering if it's worth the hassle?

Mr Tom Morrow · 24 Feb 17, 04:57 PM

My 'claim' for my Son with an operation, 3 day hspital stay, me having to stay an extra 5 days. Him having an UC seat/bed to come home. My flight to accompany him. Extra car hire, Gatwick parking, food and phone calls was not that far off $100K. Cost to me = Ł50
Same Company the following year and not a penny more to pay.

g1970 · 24 Feb 17, 06:21 PM

Unlike car insurance, I dont recall being asked if I'd ever previously made a claim on holiday insurance when I was looking for new insurance the other month, so I dont think it makes a difference.

tiggertastic · 24 Feb 17, 06:52 PM

This is a good question. Im just claiming for my holiday. Mine is a lot more than Ł350 though 😕

happytraveller · 24 Feb 17, 07:29 PM

I was wondering this as we claimed back Ł805.00 last year and used approx $1000 worth of medical last year.

mumx3 · 24 Feb 17, 11:26 PM

I don't see how it can make any difference, I've never been asked when buying insurance if I've ever claimed in the past.

I wish it was the same with car insurance!

mouli1 · 25 Feb 17, 11:40 AM

was asked years ago by direct line , but never by anyone else
on a personal note I wont touch direct line with a barge pole , they sold my details to ambulance chasers despite me ticking box not to share details , repeatedly ignored my complaints , make sure when you claim you emphasis don't share details with other companies

7SeasSailor · 25 Feb 17, 04:40 PM

Travel insurance isn't like car insurance where you build up no claims benefits. I've had to claim on travel insurance on a number of occasions for medical reasons and it was had no effect on subsequent premiums.

bonnies mum · 25 Feb 17, 04:50 PM

Having had anxiety I declared it when getting qoutes. I was then asked if it had ever caused me to cancel a planned trip - which it hadnt.
Apart from that (anxiety) I dont think claims history is requested but you will of course have to declare the health condition in future.

24 Feb 17, 04:57 PM	#2
	24 Feb 17, 04:57 PM Mr Tom Morrow Imagineer
Mr Tom Morrow Imagineer Join Date: Jul 14 Location: The Tiki Room. theDIBB Guidebook Pages Created: 3	My 'claim' for my Son with an operation, 3 day hspital stay, me having to stay an extra 5 days. Him having an UC seat/bed to come home. My flight to accompany him. Extra car hire, Gatwick parking, food and phone calls was not that far off $100K. Cost to me = Ł50 Same Company the following year and not a penny more to pay. __________________ "PAGING MR MORROW, MR TOM MORROW..." ''I drink Wine and know things'' DVC Owners at SSR since 2003. Multiple annual visits to America since 1976

24 Feb 17, 06:52 PM	#4
	24 Feb 17, 06:52 PM tiggertastic Imagineer
tiggertastic Imagineer Join Date: Jun 12	This is a good question. Im just claiming for my holiday. Mine is a lot more than Ł350 though 😕

24 Feb 17, 07:29 PM	#5
	24 Feb 17, 07:29 PM happytraveller Imagineer
happytraveller Imagineer Join Date: Feb 04	I was wondering this as we claimed back Ł805.00 last year and used approx $1000 worth of medical last year.

25 Feb 17, 11:40 AM	#7
	25 Feb 17, 11:40 AM mouli1 Imagineer
mouli1 Imagineer Join Date: Feb 06 mouli1's Reviews Hotel Reviews: 2	was asked years ago by direct line , but never by anyone else on a personal note I wont touch direct line with a barge pole , they sold my details to ambulance chasers despite me ticking box not to share details , repeatedly ignored my complaints , make sure when you claim you emphasis don't share details with other companies __________________ [R]

25 Feb 17, 04:50 PM	#9
	25 Feb 17, 04:50 PM bonnies mum Imagineer
bonnies mum Imagineer Join Date: Apr 09	Having had anxiety I declared it when getting qoutes. I was then asked if it had ever caused me to cancel a planned trip - which it hadnt. Apart from that (anxiety) I dont think claims history is requested but you will of course have to declare the health condition in future.