Missed flight

[SimonH]

Simon,
As I understand it. If you miss the flight because of a public transport failure (that would I guess include a taxi etc,) you are covered, but I did ask a long while ago and was told it did not cover my son breaking down, being delayed etc., when he was taking me to the airport in his car.



Define public transport....... a mode of transport available to the public like a taxi, train, bus or plane maybe

The only way to be sure (but not for missed check-ins as I described) when more than one leg is involved is to book all the flights in the same booking. That way the airlines are responsible.


Which is what I said about booking the whole journey through a travel agent

Also as I said, one company I know do cover passengers flying from Spain to UK for transfers, providing there is at least 3 hours gap. But I did say, that was something which was included as a 'special' as I had pointed out the problem experienced by people living in Spain who often make two bookings, one to the UK and one to the final destination.

When taking out insurance one needs to read the conditions very carefully, but I know it's the last thing we do as we just think 'we must be covered.'

Totally agree........always read the small print



Off the main thread but I think relevant.

Years ago I used to let my apartment in Spain for holidays. I discovered by chance that if my apartment had become unusable, say by fire, and I could not find alternative accommodation, then the flight/holiday insurance did not cover that. The insurers all said it would be my responsibility to cover all the costs, including the flights and compensation, as I had contracted to provide the service. I tried very hard to find insurance to cover me but could not.


Surely you would look at you household insurance to cover any expenses if something happened to your apartment.

Just a few thoughts, sorry if not formatted correctly.

[raynaputi]

even pal can be late -as the saying in phils pal =plane always late ,unfortunate to happen but as it is typhoon season -flights can easily be cancelled as you can see with what happened in Davao recently

Well I've flown using PAL, Zest Air, Cebu Pacific, and Airphil..the best of them is PAL and the worst is Cebu Pacific, for me at least..

[johncar54]

Simon: Surely you would look at you household insurance to cover any expenses if something happened to your apartment.

Sorry I did not want to take this off thread but was trying to show that one needs to understand what is and what is not covered by insurance. Expecting the best is not the answer.

In Simon you have missed the point. Repairing the fire damage in a studio apartment would of course be covered by the buildings/contents insurance but the cost of covering the expenses for maybe several families booked in the apartment, the air fares, the compensation for loss of their holidays would be serious money and that would not be covered.

[robbie bobby]

Basically through no fault of our own we have been shafted.

What a world we live in.

What to do is...Get a letter from Ceb Pac to confirm they landed late and forward that on to your insurance company with your old AND new flights you bought.

I have claimed loads of times because of late departures and although people say 3 hours,insurance companies will usually pay after 1h10mins as that's the minimum amount of time any European airline needs to give for connecting flights as I was lead to believe with my usual airline of choice.

Don't ask too many questions.Just get all your stuff together and put in a claim.

I have claimed 100s of 1000s of pesos in the last 5 years due to missing my connections mostly in the Phils.

They will usually pay for the new flight you had to pay for.Just recently my KLM flight had to divert to Moscow as someone had a heart attack and we arrived into Manila 1.30 late.they were 3 hours late when they left Moscow but managed to claw back 1,30 with a tailwind.

I had booked my ceb pac flight to CDO which I missed as had to pay for a new one with Airphils not just for me but also for my wife.I sent all my stuff in and they paid for my AND my wifes new flight,they paid for my refreshements and also the car hire for 2 days and 1 night hotel as I told them my lift could not pick me up so late.On top of that KLM gave me 20,000 miles as I was flying business class

As long as your insurance company is a decent one they will pay.

I know all about insurance companies and what I can claim.I worked for a big one for a while as a sales manager.

[robbie bobby]

Oh and BTW most insurance companies will not check up if its a claim for a few hundred quid not that theres much to check up when its the Phils anyhow.Its all about how you word your covering letter and put the claim together.Dont let them fob u off either,keep on the claim adjusters case week afer week and day after day.Thats the way to go.If you need any help just drop me a PM and il help u out with your claim

[SimonH]

Simon: Surely you would look at you household insurance to cover any expenses if something happened to your apartment.

Sorry I did not want to take this off thread but was trying to show that one needs to understand what is and what is not covered by insurance. Expecting the best is not the answer.



In Simon you have missed the point. Repairing the fire damage in a studio apartment would of course be covered by the buildings/contents insurance but the cost of covering the expenses for maybe several families booked in the apartment, the air fares, the compensation for loss of their holidays would be serious money and that would not be covered.

Not by your insurance, no. I f I booked a hotel in Spain and it burnt down I would claim on my insurance hot the hotels surely

Back on topic, maybe you can answer my question about defining public transport, is a plane classed any differently to a bus or train as you said in your first post.

[johncar54]

Not by your insurance, no. I f I booked a hotel in Spain and it burnt down I would claim on my insurance hot the hotels surely :Erm

Back on topic, maybe you can answer my question about defining public transport, is a plane classed any differently to a bus or train as you said in your first post.

Simon, As you say, lets get "Back on topic " and forget this side track.

[SimonH]

Indeed, back on topic

You said:-
"Simon,
As I understand it. If you miss the flight because of a public transport failure (that would I guess include a taxi etc,) you are covered, but I did ask a long while ago and was told it did not cover my son breaking down, being delayed etc., when he was taking me to the airport in his car."

Is a plane public transport?????

[johncar54]

Simon, I suggest, you ask your insurance company, if you want an answer which is relevant to your circumstances.

[DaveyWallis]

I would think that this is down to the insurance policy that you took out. Check the small print.

Most people go for the cheaper options which have more exclusions, if so you may not be covered.

I suspect that the flights between Manila and the UK would be covered as they are on the same ticket - but not the Cebu Pacific flight.

The insurance company would argue that you didn't give yourself enough time at Manila, you should be there 2-3 hours prior to your flight departs so I suspect they would say that you should have allowed a greater time window and caught an earlier flight to Manila.

Fingers crossed for you.

[bhem_bhem]

Oh and BTW most insurance companies will not check up if its a claim for a few hundred quid not that theres much to check up when its the Phils anyhow.Its all about how you word your covering letter and put the claim together.Dont let them fob u off either,keep on the claim adjusters case week afer week and day after day.Thats the way to go.If you need any help just drop me a PM and il help u out with your claim

Hubby rang them, they said we are not covered.

[Arthur Little]

Hubby rang them, they said we are not covered.

about that ... seems to be par for the course with Travel Insurers these days.

[johncar54]

about that ... seems to be par for the course with Travel Insurers these days.

Arthur,
it was not an insured risk, that was why it was not paid. Not because of 'sharp practice'

Robbie, As long as your insurance company is a decent one they will pay.

Seems you were wrong Robbie.

[Dedworth]

Arthur,
it was not an insured risk, that was why it was not paid. Not because of 'sharp practice'

Robbie, As long as your insurance company is a decent one they will pay.

Seems you were wrong Robbie.

The moral is to check what cover you are buying before committing to it, there are good and bad policies out there

[johncar54]

The moral is to check what cover you are buying before committing to it, there are good and bad policies out there

Good advice,

But be aware that most, if not all policies, will not cover two sets of flights booked separately, even if they 'amount to one trip' in your travel,plans.

Example, LHR to MNL return, then a separate booking MNL to Cebu return.

[bhem_bhem]

Yeah,, u are right dedworth..

That's it, no holiday to phils next year says hubby.

[SimonH]

Personally I wouldn't give up so easily, get your policy out and read it thoroughly.
Is the policy available on-line? If so send a link to it or post it up and I'll get a broker friend of mine to have a look to see if they're trying to get out of their obligations.

[bhem_bhem]

Personally I wouldn't give up so easily, get your policy out and read it thoroughly.
Is the policy available on-line? If so send a link to it or post it up and I'll get a broker friend of mine to have a look to see if they're trying to get out of their obligations.

We can't get to it on line and they haven't send us the pack as well.

[SimonH]

We can't get to it on line and they haven't send us the pack as well.

Ring them and tell them you want a copy of the policy.

[bhem_bhem]

Ring them and tell them you want a copy of the policy.

They said they will send us the copy but all we received is a letter saying that they regret that the policy purchased does not include cover for missed departure claims.

[SimonH]

I'm not saying that I'm right and they're trying to wriggle out their responsibilities, nor am I trying to get anyone's hopes up. How did you purchase the policy, on line or by phone? Did they e-mail you back confirmation of the policy, if so check it. Make sure they policy they send you is the same as the one you took out.
Check, double check and then check again.

[Arthur Little]

Arthur,
it was not an insured risk, that was why it was not paid. Not because of 'sharp practice'

John ... ... my response was based an experience I had, following a fortnight's trip to the Orient in 2005.

During one particular stopover ... while on a Yangtse River Cruise, I had the misfortune to mislay a video recorder - valued at over £300 - which had been a 60th birthday gift from my daughter and son-in-law 15 months earlier.

Looking back on this incident, I can only surmise the camera was stolen at the point where I'd laid it down to try on a patterned Chinese silk, kimono~style, dressing gown in a clothing store myself, and some of the other adventurous travellers in our party, had visited halfway up a steep mountainside, while en route back to our vessel.

Alas ... due to excitement at my new purchase, I'd failed to notice the camera's absence until we were back on board - by which time, needless to say, it was too late ... because, in spite of the generous gesture of the ship's crew in making radio contact with local police - culminating in an extensive search of the retail premises - the item was nowhere to be found.

Once home, I immediately got in touch with my holiday insurers who, initially, at least, came up with all sorts of excuses [apparently] contained in the "small print" as a means of absolving themselves from liability for ANY kind of compensation.

Finally ... after months of wrangling and dogged perseverence on my part, I received a cheque amounting to less than two-thirds of the article's original worth.

[bhem_bhem]

I'm not saying that I'm right and they're trying to wriggle out their responsibilities, nor am I trying to get anyone's hopes up. How did you purchase the policy, on line or by phone? Did they e-mail you back confirmation of the policy, if so check it. Make sure they policy they send you is the same as the one you took out.
Check, double check and then check again.

We purchased it on line. The only email we received from them is the confirmation of payment. They gave us the details on how to log in on their website and when we tried it, all it says is that the details we have given didn't match any of their records.

[johncar54]

This getting disjointed.
What happened in different circumstances is not relevant.

In this case: one cannot expect a one trip policy to cover two separate bookings.

Its a bit like having two cars. One insured and one not and then expecting to be able to make a claim on the one that is not insured on the other policy.

This is not a question of what is covered in a policy, as there was no policy for the booking in question.

It is that simple, let's not get confused with things that do not apply, the 'what if's'

[SimonH]

This getting disjointed.
What happened in different circumstances is not relevant.

In this case: one cannot expect a one trip policy to cover two separate bookings.

Its a bit like having two cars. One insured and one not and then expecting to be able to make a claim on the one that is not insured on the other policy.

This is not a question of what is covered in a policy, as there was no policy for the booking in question.

It is that simple, let's not get confused with things that do not apply, the 'what if's'

You're right this is getting disjointed.
As bhem_bhem has stated they do not have the policy, so how do you know what the policy states?
What is a one trip policy? It's nothing like having two cars one insured and one not. They went on a trip, or are you trying to say that they bought a policy specifically to cover one return flight to Manila.
For example

Claimant..........Hello I lost my camera on holiday
Ins Co.......... Where were you?
Claimant.............In Palawan
Ins Co................ Sorry you're not insured
Claimant........... Er pardon, why not?
Ins Co............. You told us you were going to Manila, so we're not paying


Once again, read the policy and don't except what they say without double checking everything.

Trying to help not hinder here

[johncar54]

OK Guys,

I obviously cannot make this sufficiently 'Simple' for 'Simon' to understand.

[SimonH]

OK Guys,

I obviously cannot make this sufficiently 'Simple' for 'Simon' to understand.

If you're trying to rile me, then congratulations you've succeeded John.
As per your private message to me you've stated that you have spent many years in the legal profession so you do know what you're talking about.
I really don't know why you're so hell bent on saying it's a closed case and being disparaging to anyone that tries to help.
As you've spent so long in the legal profession you'll be well aware of the term 'libel' so before you make insinuations about people being 'Simple' I'd think about what you type.

[johncar54]

Originally Posted by johncar54
HI As I showed in a post, I called your company and they were very ready to chat and they explained clearly, as I had already believed, why you did not have a claim.

Message from Bhem:- Yeah,, best to be careful next time. I don't want to mention it to my hubby as I don't want him getting annoyed again. He has moved on now so ill just leave it.

Hi Bhem, glad to see you and your hubby have understood.