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Hello my name is ***** ***** I will help you with this.
Was the person your partner please or just companion?
a female friend who I travel with regularly
Ok, was it a joint policy?
no we had different insurance companies because I was having a holiday in the May previous to this one in September for which I used the same company for both my hoidays
What do the policy terms say about joint travellers and one falling ill?
I cannot find any mention of joint travellers on a different policy
So they were 2 separate policies?
yes my friend used staysure but I used just travel for both my holidays. I was advised by the insurers not to purchase an annual policy but to insure the two holidays separately
Ok - its bad news I am afraid.
You had 2 policies not one joint one. This person is your companion rather than partner and there is nothing in the policy that says it would cover you for another person cancelling
Based on what you have said sadly I do not think you have a claim
However you should write and appeal the decision
They will investigate the complaint and report back to you
If you are still not happy you can go to the Ombudsman.They offer a free, independent service. Their website is: www.financial-ombudsman.org.uk
then the travel agent should have advised us of this fact we have been travelling on holiday together for over 10 years and have never had a joint policy.
But these are the steps you can take. If you took it to Court I am sorry to say I think you would lose for the reasons I have outlined
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest
thanks for your help I will do that cheerio
Can I clarify anything for you about this today please?
no it seems perfectly fine
Can I help with anything else today?
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