Viewing 17 posts - 121 through 137 (of 137 total)
  • Is GoFundMe the new travel insurance?
  • johndoh
    Free Member

    in order to save money on insurance – but that invalidates said insurance so surely cheaper just to not bother in the first place

    Yep – and don’t you get asked if you have any pre-existing conditions when filling out the application in the first place?

    pondo
    Full Member

    Think so. Bit rich to claim the moral is not to buy cheap insurance when the moral is don’t lie on the application.

    mert
    Free Member

    A colleague had a ~300 grand bill for treatment and repatriation after a nasty fall on a corporate trip in China. Biggest hit was for the flight to Birmingham in an air ambulance at low altitude due to collapsed lungs… Think the broken limbs and other injuries were also a bit uncomfortable.

    Had to pay for his own taxi to the hospital from the airport though, apparently that isn’t part of “repatriation”.

    Still, 20 quid to get from the airport to the hospital isn’t that bad…

    2
    franksinatra
    Full Member

    Think so. Bit rich to claim the moral is not to buy cheap insurance when the moral is don’t lie on the application.

    I agree. If everything in that story is as was printed, then I’m firmly on the side of the insurers

    1
    rockhopper70
    Full Member

    Yes, that liver story, I’ve yet to find any comparison or insurers sites where they don’t ask you to enter medical history before returning quotes.  To say it’s an error is disingenuous, and to suggest she isn’t covered because it was cheap sounds a bit fictional. More like it was cheap because she didn’t declare it.

    EDIT, I did some work in fraud in insurance and the company I was involved with had a keylogger on the online claims portal and they could tell if a customer had made multiple attempts to fill the claim form in, changing circumstances or inventory of loss etc. I suspect they have the same tech at quote stage and would quickly be able to see if there had been multiple quotes provided, with and without declared conditions.

    1
    jimw
    Free Member

    Holiday insurance is not just for issues whilst on holiday.

    When my mother died in 2018  my brother had booked a three week holiday in New Zealand that would have started about a week before. He had holiday insurance as part of his Nationwide account. She died only about three weeks after her diagnosis and he had arranged the holiday months before. The insurance company paid out nearly  £8000 to cover flights, accommodation booked, car hire etc. with very little hassle when he cancelled for illness of a close family member.

    1
    Dickyboy
    Full Member

    Just trying to renew my motorcycle insurance & the forms have come back incorrectly completed yet again despite me telling them exactly what’s required – so always worth checking the documents when they come through. Just pointing this out as it’s not always the general public who at fault, you can sure as he’ll be sure the telephone script would be ‘lost’ should I make a claim 😕

    j4mie
    Free Member

    Wow. I’m sure his family are grateful for your generosity in teaching them a valuable lesson.

    Oh dear, not sure how I’ll manage to get to sleep tonight…

    I couldn’t care less about his family tbh, I didn’t like the guy and even if I did, a measly donation from me wouldn’t have made a dent into £25k.

    Msybe someone on here has learned a lesson though.

    It’s fairly simple, check you are covered for the activities you’re planning to do. Every policy I’ve ever had was fairly simple to understand what was and wasn’t covered, and you have the choice before paying for it.

    matt_outandabout
    Full Member

    The exclusions related to cycing is “cycle racing” and “Mountain biking – other than trails graded as easy or moderate”

    Define “moderate” to a non riding insurance employee responsible for keeping payouts down….

    a woman with known medical complaints hasn’t declared them, is going to end up with a big bill, and the family are asking people to help.

    We’ve just taken out our travel insurance for a forthcoming trip. No declared issues = £32. Declared our modest, and unlikely to be so severe or quick to come on, issues and it’s £122.

    The temptation to save us great….

    irc
    Full Member

    A Which spokesman says a quarter of travel claims are not paid. In this case it was  a policy taken out when the traveler was already abroad that was the  cause of not being covered.

    https://www.bbc.co.uk/news/uk-england-sussex-67795261

    2
    convert
    Full Member

    The temptation to save us great….

    Mrs C’s underactive thyroid normally adds a fair wack, despite an underactive thyroid  incredibly rarely generating an emergency that would trouble you on a 7 day holiday.

    scuttler
    Full Member

    Holiday insurance is not just for issues whilst on holiday.

    Which is why it’s great to have an annual insurance and /  or buy the cover shortly after you’ve paid £££. Just cos it has cover dates for when you’re away there is also coverage for other situations that might arise before you leave.

    politecameraaction
    Free Member

    I couldn’t care less about his family tbh, I didn’t like the guy and even if I did, a measly donation from me wouldn’t have made a dent into £25k.

    You know that episode of Alan Partridge where he writes his autobiography and every chapter ends with the words, “…and needless to say, I had the last laugh”?

    dozofoz
    Free Member

    How different insurer’s handle pre existing conditions is a mine field.

    lets say you have high blood pressure and don’t declare it. If you then have a stroke or heart attack while away it’s pretty clear your policy is void. But – what about you break your leg?

    i have had ski insurance that has stated that pre existing conditions can be undeclared and it doesn’t effect non related claims but I have had other insurance that states any misinformation voids the policy. Most sit somewhere in between and are not very clear.

    so if I was to be charitable to Liver lady – maybe she rolled the dice and thought she would go uninsured for her liver condition but something else happened. It’s a stretch and in reality she just took the dumb option to save a few £ but pre existing conditions do require shopping around and reading the fine print

    rockhopper70
    Full Member

    The outlook appears to be that the pre-existing condition has to be material to the loss. So, undeclared finger infection shouldn’t affect a broken leg while skiing.  Same with house insurance, if you don’t have the minimum door lock standard but burglars break in through a window (that are as declared) then it “shouldn’t” void the policy.

    Im assuming the lady in the liver story had a medical episode directly related to the undeclared pre-existing condition.  If that is so, then Insurers are entitled to void it.

    the-muffin-man
    Full Member

    Another one!!! He’d even been refused insurance but still travelled…

    Screenshot 2024-06-17 at 16.27.35

    2
    matt_outandabout
    Full Member

    My father has been refused travel insurance this last year.
    Which means he is only holidaying in the UK home nations from here on in.
    Simples.

Viewing 17 posts - 121 through 137 (of 137 total)

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