The main problem when you want to make a claim isn’t the company you have taken the policy out with or the company that’s underwriting it. It’s the claim management companies who try every way to wangle out of the claim.
Unfortunately most of them use CSA. I’ve looked at most of the policy wordings for incase of emergency and what you need to do in the event of one and the wording is the same as ours. We have an annual policy with Yellow Jersey.
Last year Kevin had to be rescued by helicopter after an incident whilst we were in the Alps. We didn’t call the helicopter. It was determined on site that it was the only safe way to get him rescued from where he had landed and the nature of his injuries
However according to CSA we should have had prior authorisation before he allowed them to do this. We thought we had followed the policy wording by informing then ASAP after the event. They disagreed
We complained and eventually they paid helicopter rescue bill even though they knocked back our complaint. Eventually the underwriters agreed and upheld our complaint and that we had followed and interpreted the policy wording correctly
We have tried to find an insurer this year that gives the level of cover required that does not use CSA but as of yet can’t find one.
https://www.google.com/search?hl=en-GB&gl=uk&q=Claims+Settlements+Agencies+Ltd,+308+London+Rd,+Hadleigh,+Benfleet+SS7+2DD&ludocid=1354486224220055231&lsig=AB86z5VsfyjcaMxUIzPhmPbjIIbW&ibp=gwp%3B0,7&hl=en&gl=GB#lkt=LocalPoiReviews&lpg=cid:CgIgAQ%3D%3D