Hi all.. Me, hubby and our son was due to fly back to Manchester last Tuesday but due to Cebu pacific being delayed for over an hour we missed our flight with etihad. Can we claim for a refund with our travel insurance? By the way, we tried checking in on our travel insurance but it says no record matches on the details provided. Thanks.
''The grass may be greener on the other side of the fence but there still gonna beon it''
I believe if you booked the whole trip in one booking then you should be covered, However, if you booked the flights individually then probably not.
I know for example, with all but one insurance company, if I book from Malaga to London, then book London to MNL, then only the flight to London is covered. So if I miss the connection I cannot claim.
That's not true.Yes you have a perfectly good claim and if you admit it to your insurance company I'm sure they will look at it.I don't know what insurance company you bought a policy with Johncar but if it was me I would not be buying from them again.Originally Posted by johncar54
I've made lots of claims from lots of companies over the years and not once did they not pay out for a missed connection,doesnt matter if you book it together separate or whatever.Its an insurance policy and that's why u buy it.
I have spoken to a number of insurance companies claims assessors offices and all were the same. (The agents I had spoken to previously thought erroneously that one would be covered)
The one company which I know does cover separate bookings made a variation to their rules when I explained that many of their customers lived in Spain and thus booked to UK and then on to another destination. That company now have a rule, that providing there is at least a three hour gap between the scheduled arrival and the booked departure, they will pay.
The flight was due at 15:50 but didn't take off until 17:00. We should have been in Manila by that time. They never said it would be delayed until we were on the plane at about 16:10. If they had announced it earlier then we could have rang etihad and changed to a later flight. Etihad were a complete waste of time as well. All there staff were clueless.
The insurers haven't replied to my email and I'm worried why I can't log in with the details I was given when taking out the insurance.
''The grass may be greener on the other side of the fence but there still gonna be
Sounds like a bit of a spurious insurance set up if you can't log in or get a reply to your email. Have you tried phoning them ?
As regards travel insurance I always feel its more economical and better peace of mind to have an annual worldwide family policy
So basically I should book another insurance for every flight? That's not right is it.
When bookin insurance it covers u from the dates you put, so it's the dates that your away.
It doesn't seem right that we have had to pay nearly 2k for other flights when I'd Cebu pacific had delivered we would have been there on time easily.
''The grass may be greener on the other side of the fence but there still gonna be
So basically I should book another insurance for every flight? That's not right is it.
If a passenger books flights separately, I sympathise with insurance companies, as they have no control over the gap between landing and take off.
Even if one booked a separate insurance for the second leg, and arrived late, then usually a passenger's late arrival for a flight is not an insured risk.
That would be the same as me booking a flight and arriving late for check-in not covered unless it is the result of public transport failure.
One needs to ensure (in writing if not clearly shown in the conditions) that the insurance company covers the risks you need.
oops ! duplicated post
The insurers are debenhams which is part of insure and go. I'll be ringing them when I'm back in blighty. We found them on money super market.
''The grass may be greener on the other side of the fence but there still gonna be
Ah I didn't realise you were still overseas. Here's the email for Debenhams CEO
michael.sharp@debenhams.com
Might be worth banging one off to him
Bhem, I just tried to call Insure and Go to clarify what their policy would be on a claim in the circumstances you described. Unfortunately the operators were busy so I hung up after 20 mins.
However, I did see that one of the policies they offer is described as 'single trip' which I would assume would pot cover your situation.
Anyway good luck.
Blem. I just spoke to the Customer Service Dept Insure and Gomm+44 (0)207 748 8593
They said if I booked say from Manchester to MNL then booked to Cebu, that if the connection was not met because of the late departure etc then one would not be covered.
I said but I would be making a single trip in effect as I was travelling from Manchester to the Island. They said not covered.
I hope you have a better answer than I had.
So Robbie Quote : That's not true.Yes you have a perfectly good claim and if you admit it to your insurance company I'm sure they will look at it.I don't know what insurance company you bought a policy with Johncar but if it was me I would not be buying from them again.
Seems what I said, probably was true.
I think there's some confusion here. As far as I'm aware you should be covered on your insurance policy for missing your flight but I don't think they'll cover the full cost of a new flight.
If you had booked the whole trip through a travel agent it would be up to them to arrange to get you home at their expense, however I suspect as with most of us you booked the flights independently.
Is Johncar54 trying to say that if I missed my flight from heathrow due to the M4 being closed and all the alternative roads being grid locked then my travel insurance wouldn't cover me for a missed departure? What if I booked through an airline that offers a chauffeur service to the airport, does their responsibility start when they pick me up, what if their car breaks down?
Thanks for your replies. I will ring when back home and hope for the best but I'm not confident. May as well not bothered to take any insurance
''The grass may be greener on the other side of the fence but there still gonna be
Basically through no fault of our own we have been shafted.
What a world we live in.
''The grass may be greener on the other side of the fence but there still gonna be
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.
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
... situations like this, are enough to make people think [at least] twice about travelling ANYWHERE by plane ...
However, for those with families in far distant nations (and that includes MOST of us) such a "philosophy" is rarely an option.
OK ... perhaps I'm living in cloudland in suggesting it OUGHT
to be incumbent upons ... to offer alternative (free of surcharge) arrangements for the onward transmission of would-be passengers inconvenienced by missed flight connections.
This is the reason why I stopped booking flights with Cebu Pacific ages ago..they are always late..I have never experienced them being on time honestly..
-=rayna.keith=-
...When you realize you want to spend the rest of your life with somebody, you want the rest of your life to start as soon as possible...
Not going to fly with them again.. Will use PAL next time..This is the reason why I stopped booking flights with Cebu Pacific ages ago..they are always late..I have never experienced them being on time honestly..
''The grass may be greener on the other side of the fence but there still gonna be
... let's hope they're more "PALLY" (friendly~disposed) - than the Company YOU used - towards being prepared to grant special dispensation to travellers who find themselves in your situation.
Prob still the same, its just the principle now. We wouldn't know what to do if we didn't have that extra money.
''The grass may be greener on the other side of the fence but there still gonna be
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..
...When you realize you want to spend the rest of your life with somebody, you want the rest of your life to start as soon as possible...
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.
have been flying Cebu pac for 8 yrs now -so approx. 20 flights already and only one was late ,any booking I have made with airphil express -there has been some problem with it ,there is no guarantee that any flight will be on time or even depart on the same day .This is the reason why I stopped booking flights with Cebu Pacific ages ago..they are always late..I have never experienced them being on time honestly..
Other members will be able to give you much better advice about insurance than i ever could.
Putting flights/insurance and money aside it is nice to hear your son will be going back to the UK with you
Yeah at least we are together. Will be careful next time. Will stay in Manila a day before our flight to make sure we won't miss it even if we don't like staying in Manila.Other members will be able to give you much better advice about insurance than i ever could.
Putting flights/insurance and money aside it is nice to hear your son will be going back to the UK with you
''The grass may be greener on the other side of the fence but there still gonna be
That is what I do. Sorry to hear about your dilema.
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