 Poster: A snowHead
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Following the other thread regarding insurance, one question that always niggles in my mind regarding annual holiday insurance policies is if my policy runs from 01/01/10 to 01/01/11 and I book a holiday in April 2010 for Jan 2011 after the existing policy expires, am I covered if I have to cancel the holiday before the renewal date. I have always renewed the policy early December but never really sure how it all should work?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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stevew, if anything happens between the policy expiry date and the renewal then you won't be covered for that period so say you had to cancel on 5th Jan you would not be covered. Once you renew you are covered again
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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| holidayloverxx wrote: |
| stevew, if anything happens between the policy expiry date and the renewal then you won't be covered for that period so say you had to cancel on 5th Jan you would not be covered. Once you renew you are covered again |
My point was that I have no lapsed time between cover but does the 2010 policy cover a 2011 holiday if I had to cancel in 2010 whilst covered by the 2010 policy.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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I'd say (no expert) that during the 2010 policy period you're covered any thig that happens in that period. I suspect it's in the smallprint of the Ts+Cs.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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stevew, aah, that's not how I read it. I agree with adithorp. The insured event (reason for cancellation) would have happened during the currnet policy period
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You'll need to Register first of course.
You'll need to Register first of course.
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Thanks guys
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When I asked Direct Travel about this once, I was given the answer adithorp gave - but if it was in the T&Cs is was in sufficiently obscure language I couldn't find it (and I'm not particularly illiterate). If the cancellation happens in the insured period it's not a problem that the trip was due to take place after the expiry of the insurance. Obviously, you need to ensure the renewal runs on contiguously from the current expiry to remain insured for anything that happens between the current expiry and the completion of the trip.
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