Will I Be Paid Out ? Travel Insurance

[pumpjack]

missed flight last night due to the tour company i was trvelling with . my normal time for the trip of 300 kilometres would have been approx 4.5 hours. but because of ferry problem and tour bus changing the bus 2 times for 30 mins a time i was 2 hrs late for my flight.

i left my hotel and boarded tour bus at 10am , my flight checkin time was 6.30 pm at night. this was giving me 9 hours to get to my flight but.....the ferry delay and the bus changes and traffic backlog onto ferry caused me to miss flight .
im insured with nationwide...
POLICY DOCUMENT HERE - https://www.nationwide.co.uk/-/media/MainSite/documents/products/current-accounts/flexplus/P3349_FlexPlus_Worldwide_Family_Travel_Insurance_Policy.pdf

[waterboatman]

I would think you are due some compensation as it wasn't your fault.

[murraymints]

part 1 c you may be.....£1000 per person

[murraymints]

although how you can prove your road traffic delay was broadcast anywhere I have no idea...? a wriggle out clause ?

[pumpjack]

D - Missed connections
What you are covered for
If you are delayed after you have checked in, meaning that you miss your connecting transport and an alternative is
not offered by the transport provider within four hours, we will pay up to £1,000 per insured person for additional
accommodation, travel expenses, meals and refreshments.
Claims conditions
In addition to anything mentioned in the General Conditions, in order for your claim to be considered you must:
1. Provide confirmation of your scheduled departure times as detailed on your travel itinerary and your actual
departure times from the airline/carrier.
2. Provide written proof of any additional expenses you pay and for which you are claiming from us.
What you are not covered for (exclusions)
In addition to anything mentioned in the General Exclusions, we will not pay for claims which are a result of:
1. You missing the check-in time as shown in your travel itinerary for any reason, other than the previous transport only
being delayed.
2. A strike or any form of industrial action which had been announced or commenced before you became an account
holder, purchased the travel tickets or obtained confirmation of booking, whichever came later.
Claims settlement
1. You must provide us with all documentation reasonably necessary in support of your claim. By saying reasonably
necessary, we mean documents such as:
a) A booking confirmation/invoice from the company you booked the journey with.
b) Confirmation from your carrier of the delay.
This list is not exhaustive and you may be asked to provide other types of documentation to substantiate your claim.
2. You must seek recompense from the operator where you should be entitled to compensation (e.g. due to EU
Passenger Rights). Any amount you can recover will be deducted from any claim we p

[murraymints]

looks a better possibility...you need to ask your insurer..

[pumpjack]

i knew because of the ferry delay and the tour buses changes 3 times, i took 3 videos stating the hour and time and date. i took a video of me approaching the tour bus driver and asking him when we would be at our destination and the video clearly shows him laughing and shrugging his shoulders , it also shows the very haevy backlog of traffic waiting to get onto ferry.

[waterboatman]

You should be OK with evidence like that.

[pumpjack]

under normal circumstances i would have easilly made checkin. as tour company told me i would have sufficient time " under normal circumstances " again

[pumpjack]

here is what the customer service just emailed to me -
Please see your policy wording regarding the missed departure of your policy wording.



Missed departure and failure of public transport:



We will pay up to £1,000 per insured person for additional accommodation, travel expenses, meals and refreshments, if you fail to arrive at your departure point in time to board your booked transport and this is because of:

1. The vehicle in which you are travelling is involved in an accident or breaks down; 2. A delay involving your own vehicle where you missed your departure because of heavy traffic or road closures that were sufficiently severe to warrant reporting on a recognised motoring association web site or on television, news bulletins or in the press; 3. The scheduled public transport taking you to your departure point not running to timetable.

Claims conditions

In addition to anything mentioned in the General Conditions, in order for your claim to be considered you must: 1. Provide confirmation of your scheduled departure times as detailed on your travel itinerary and your actual departure time from the airline/carrier. 2. Provide written proof of any additional expenses you pay and for which you are claiming from us.

Best regards

Hulya Blair

Assistance Coordinator

Direct Line Group

Travel and Medical Assistance (TMA)

Email: [e-mail]

[waterboatman]

Circumstances were far from normal and beyond your control.

[1ozzy]

You may have a valid claim, but, they will make you somersault through burning hoops to extract any penny's from them.

[murraymints]

your "own" vehicle or "scheduled public transport " tour bus may not be considered ? you need to speak to someone at nationwide

[bednobs]

just ask them!

[Zacs-Master]

You’ll need evidence from the RAC or AA as to whether they reported the delay on their website.