Resolved Question
Does travel insurance generally cover not getting away due to snow?
I'm about to book a trip in feb on the Ferry Hull-Zebrugge. I'm looking at travel insurance and they say stuff about cancelled trips but I think a ferry would probably still go in snow but its if we cant get to Hull, I'd want my money back. Would this be likely?
Best Answer - Chosen by Voters
depends on the policy
if you coudl demonstrate that you took all reasonable steps to make the journey then I woudl expect the policy to payout. reasonable is a flexible term. but it would npt cover you if say it you did not take into account weather when planning to leave. so if there was a weather warning out from the met office and you decided not to take extra time to travel then I doubt you will be covered. if you left your home to arrive at the ferry port at the alst possible minute I'd be surprised if you were covered.
if you have any doubts then raise those question prior to buying the policy. if you do that by phone take note of who you speak t, when you spoke to them and waht was said. if its critical record the conversation.
in essence its up to you to make certain the policy you buy provides adequate cover. not all travel, or for that matter any, insurance policies provide the same cover.
AFTER buying the policy read throught he insurance and check that cover is included
if you coudl demonstrate that you took all reasonable steps to make the journey then I woudl expect the policy to payout. reasonable is a flexible term. but it would npt cover you if say it you did not take into account weather when planning to leave. so if there was a weather warning out from the met office and you decided not to take extra time to travel then I doubt you will be covered. if you left your home to arrive at the ferry port at the alst possible minute I'd be surprised if you were covered.
if you have any doubts then raise those question prior to buying the policy. if you do that by phone take note of who you speak t, when you spoke to them and waht was said. if its critical record the conversation.
in essence its up to you to make certain the policy you buy provides adequate cover. not all travel, or for that matter any, insurance policies provide the same cover.
AFTER buying the policy read throught he insurance and check that cover is included
67% 4 Votes
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Other Answers (3)
- Phone the insurance company and ask them. Although I doubt very much that you would get any money back ... they will probably specify a certain amount of snow or say that you would have known about the bad weather and should have travelled earlier or something like that! They always have a way out to avoid paying out.
I was delayed in Singapore a couple of years ago through the fault of some woman going into labour on the plane to the UK so we had to turn back. She lied and said she was 25 weeks pregnant when she was more than 35 weeks.
Anyway, British Airways said that we would all receive a letter for our travel insurance companies saying that we were delayed through no fault of our own. When the letter arrived it stated that we were delayed 23 hours and 56 mins - our travel insurance stated that they would pay out on 24 hours!
Have never travelled with BA ever again!0% 0 Votes - I would expect most policies to cover that, but it depends on the fine print of the individual policy.
The burden of proof would be on you too - its not good enough just to say you couldn't get there, you would have to be prepared yo back up your claim with official travel reports, pics of snowed in roads etc.
Read the policy doc's before paying for anything, and if in doubt call them to confirm.17% 1 Vote - You would need to ask them direct about this for a official definite answer.17% 1 Vote
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