DEAR MARGARET: My insurer won't pay £1500 claim for horror holiday...

Columbus Direct is a company in the Professional Travel Insurance (PTI) group, which uses an independent claims handling company, Global Claims Services, to deal with policyholders’ claims.

Under the emergency medical expenses/repatriation section of your policy, it is clearly spelt out that all treatment and expenses must first be authorised by the insurer — which you didn’t get. However, PTI does acknowledge you made contact with GCS while you were still in India. It has listened to the recording of that conversation and concedes that GCS did not handle the call as well as it should.

You had told them this was first time you had made a claim. It should have been evident, says PTI, that you were not aware of what you should do next or what was expected of you in this event.

In light of this, it has reconsidered your claim and, in the circumstances, is no longer asking you to obtain the medical evidence retrospectively.

It has advised GCS of its findings and will be getting in touch with the good news that your claim is to be settled forthwith.

The final figure will be £1,332.63, which covers the flight upgrades of £1,250 and taxi fares of £82.63.

Your letter is an object lesson for other travellers. If anything goes wrong, keep all receipts and talk to your insurers then and there.

I was involved in a motor accident in May 2009. Eventually, the other driver admitted total liability.

The following day my insurer, Direct Line, inspected my van and came to the conclusion it was beyond economic repair and thus a total loss. Direct Line paid me the market value of £1,200 less the £200 excess.

When the other driver admitted liability, the £200 excess deducted was paid to me as well.

My insurance premium, which I paid by direct debit, fell due two days before the accident. Ten days later, Direct Line took the annual premium of £315, plus £22.05 for motor legal protection insurance, out of my account even though my vehicle had been written off a mere two days into the insurance term.


Yes, of course, you should have had a partial refund of your contributions — and Direct Line acknowledges it was at fault in not telling you this at the time.

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DEAR MARGARET: My insurer won't pay £1500 claim for horror holiday...
DEAR MARGARET: My insurer won't pay £1500 claim for horror holiday...

I know it was a fairly formal letter, but do get in touch with the lawyers as Direct Line has suggested. There will be legal fees — but it is this cost that your motor legal protection insurance policy is designed to meet. We bought a 40in TV for £400



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Formal Letter Template | Best Sample Templates

A formal letter is normally written in formal language. It is commonly used when a business organization needs to write to another business or when corresponding to their customers, clients as well as other external parties. It is usually concise and straight to the point. It is important to draft a formal letter professionally. Shown below is a sample formal letter template.


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Cyberpl@y, communicating online

Cyberpl@y, communicating online

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QuickBooks 2009: The Missing Manual

QuickBooks 2009: The Missing Manual

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Resources for Teaching English, 11-14

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QuickBooks 2011: The Missing Manual

QuickBooks 2011: The Missing Manual

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Proposal planning and writing

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Use these formal letter templates and example letters to write correctly and authoritatively to other businesses for complaints, information or job offers.