Anyone Used All Clear Travel Insurance

[pega]

I paid for my nephew to go to NY for 4 days he got insurance in November
we were going this month, but he went into hospital for a double transplant
late Jan and still there, his mum got doctors letter to cancel.
I paid £397. for insurance in November and I have had a refund of £262
I find this to be a scam to keep so much and other people should be
warned. Is there any way to get them to refund the amount I paid?

[bednobs]

i don't understand your question. are you saying you paid £397 for insurance, and you want them to refund the Premium because they paid out on it? What was the excess?

[twix123]

All Clear act as Insurance Brokers for clients who require travel insurance covering pre-existing medical conditions. Obviously premiums are expensive due to the higher risk that claims will be made under the policy.

Not knowing who the actual Insurer/Underwriter was, we cannot check the policy documents, but I would think, from personal experience, that your claim will have been reduced by the policy excesses in respect of both the travel and accommodation elements of the holiday, e.g. two excess amounts not one. I would suggest that you re-read the policy documents to confirm if this is the case, then calculate what the refund should have been. The payment should have been accompanied with a covering advise showing the calculations, no matter whether it came from All Clear or the insurer/underwriter. If the figures don't agree, submit a complaint to All Clear using their official complaints procedure.

[Buenchico]

AllClear is a broker, offering policies issued by various insurers. (Even those policies branded as 'AllClear' are actually offered by MAPFRE
Asistencia).

So it would be interesting to know which policy you actually purchased from this list:
https://allcleartravel.co.uk/CGI-BIN/LANSAWEB?PROCFUN+ALLCLEAR+COMPALC+ALC+ENG

If you think that you've got a valid complaint though, send a letter by recorded delivery (which Royal Mail now calls 'Signed For') to
AllClear Insurance Services
AllClearHouse
1 Redwing Court
Ashton Road
Romford
RM3 8QQ
(or phone [phone] to seek an explanation)

If you still don't get satisfaction, contact the FOS:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm