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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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
The law is not straightforward, and when you combine it with perverse incentives inside the intelligence community and with a cannon of decisions (formal and informal) that defer to the prerogatives of major news entities, it tends to provide a measure
The unilateral sanctions imposed against Zimbabwe, my country, predate their formal declaration in 2001 (in the case of the Americans) and 2002 (in the case of the British-led European Union). From about 1997 when Zimbabwe got the infamous Clare Short
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