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Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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Does a travel insurance policy become invalid if the policy

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Does a travel insurance policy become invalid if the policy holder makes an appeal to the Financial Service Ombudsman regarding the policy which covered the period of travel from January 2015 to December 2015. There is a dispute between the Insurer and the policy holder regarding expenses incurred post hospital care.
Hello my name is ***** ***** I will help you.
Do the terms say it would become invalid in the event of an appeal please?
Customer: replied 2 years ago.
I will need to check with the policy holder whether or not there are terms to render the policy invalid in the case of an appeal.
Ok. You need to check the policy terms. If it is silent on this then no, it does NOT become invalid. I would be surprised if it does contain a term saying it is cancelled. This is because it could be deemed unfair and in contravention of The Unfair Terms in Consumer Contracts Regulations 1999 which states:
5.—(1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.
(2) A term shall always be regarded as not having been individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term.
Therefore usually it would NOT void a policy on appeal, but check the policy wording.
Can I clarify anything for you about this today please?
Ash and other Law Specialists are ready to help you
Customer: replied 2 years ago.
I do not have the policy details with me but your response so far is helpful for me to follow up with the policy holder. Many thanks.
Happy to help!