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Accommodation Hotels, Resorts, Villas Questions and Info |
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17 Jul 20, 11:49 AM |
#31
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Bon viveur and shopaholic
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Moorlandman, can I go off track and just ask something. Has your employer (or any other domestic insurer you know of) written to its policyholders and offered a refund/reduction of premiums for household, motor or travel policies on the basis that the risk they assessed when underwriting the policy and calculating the premium has significantly changed during the Covid crisis. For example, cars have not been used as much, homes have been occupied 24/7 in a lot of cases thus reducing security risk and travel plans thwarted.
Edited I am aware that admiral made a gesture to its motor policy holders |
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17 Jul 20, 12:12 PM |
#32
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VIP Dibber
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My DD has a direct line black box policy and they emailed to say they had noted a drop in average mileage and would be refunding automatically to card used to pay for the policy. It was about 11% of the original premium.
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17 Jul 20, 12:14 PM |
#33
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Imagineer
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Hi Colette, we have made no reductions or offered any refunds on any policy types so far.
On motor policies, if the client contacts us to advise that they are doing less mileage we will adjust their policy and provide a refund. This will be minimal in most cases as mileage is not a massive risk factor. Possibly £20 or so. |
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17 Jul 20, 12:24 PM |
#34
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Guest
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I rented a dibb villa at Lake Berkley for this year which we couldnt go to. My insurance was questioning why they should pay because they said the villa owner should refund me. The villa owner when pushed wouldnt give me a letter or even acknowledge that they couldnt let out the villa due to florida law, only a letter saying I had cancelled, and even broke his own Ts and Cs which clearly stated cancellations had to be in writing and emails were unacceptable, I only ever used email. In the end my insurance relented and paid out. the lesson for me was to check Ts and Cs and push for what is right, disappointed with the villa owner, shady behaviour to say the least, still he lost future business as I went somewhere else for next year.
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17 Jul 20, 12:50 PM |
#35
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VIP Dibber
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17 Jul 20, 01:05 PM |
#36
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Bon viveur and shopaholic
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17 Jul 20, 02:53 PM |
#37
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VIP Dibber
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When searching for a villa on AirBnb/Homeaway it is easy to filter for 'Free Cancellation'
Each listing will then have the specifics but you are not going to be tied to a booking many many months out. Having sold DVC here and refunded them in full I'm fully aware that each owner will have their own policy and flexibility. When I sold I was not expecting to refund, but did because it was the right thing to do. Based on that experience I will have more specific cancellation conditions (which each of my renters would have met so actually no material difference to me). We have seen countless threads where Airbnb/Homeaway are jumped on as the bad guys. What is clear is as a renter I will never book somewhere that doesn't have a flexible policy, even if that means I pay more for the villa/apartment. |
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17 Jul 20, 03:51 PM |
#38
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Imagineer
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This does not mean that if you cancelled your trip more than 28 days before that your claim cannot be paid - more like please wait before claiming.
OP i would be submitting a challenge on the above as the advice not to travel is current and therefore you are unable to stay at the villa and have to cancel. Unless there is a clause that says you cannot cancel a holiday until 28 days before travel?
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June 06, August 07, September 18, January 19, September 19, February 20, December 21, February 22, December 22, February 23, February 24 |
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17 Jul 20, 03:53 PM |
#39
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Imagineer
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I am having similar issues with nationwide insurance. Booked villa through homeaway. When Tui cancelled my flights I had no choice but to cancel villa. HomeAway said refund is not assured but the encourage owners to. Owner is saying villa is still available for me to use. Another call from Nationwide saying quote consumer act to them. My reply is villa owner keeping their end of the bargain I can still go, FCO say no. I suggested Nationwide take it up with villa owner if they are so convinced they are right.
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Kevin Villa Indian Creek September 2009. Dec 2009 Hawthorne suites May 2010 11th trip villa Indian Wells 2011 Sunset Lakes 2013 Sunset Lakes again 2015 Indian creek 2017 And 2020 in the planning |
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18 Jul 20, 01:42 AM |
#40
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Thread Starter
Imagineer
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This has given me a bit of hope, as the letter from the villa owner is actually dated 30th June, 25 days before travel, so technically claiming within the 28 day period before travel
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TRACY |
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