The policy reads in Section 1: Cancellation or curtailment charges Limit up to per person £2500 with an excess of £100.
Section 10: Trip cancellation (after 12 hour delay) £2500.
In Exclusions: Circumstances that could reasonably have been anticipated at the time the trip was booked or when you purchased this insurance.
We chose this company because my husband has leukaemia and I had 2 TIA's 10 years ago. It was not cheap. Apparently there is 'super duper cover' but at no time were we offered it and it would not have covered us anyway.
Are you saying that Hurtigruten is not liable? Do we just have to lose the money?
I do not know who is responsible but we were not informed that we could have taken better cover (but would not have been covered for loss of trip anyway). We lost 4 and a half days of our holiday due to bad weather stopping flights, we lost 4 nights hotel and 3 activities, Surely we should be able to have some money back. Does the responsibility lie with the holiday company or the insurers?
I am asking for your advice.
No thanks. I will go the ombudsman.