Travel insurance for Davao

[gWaPito]

What was the official FCO travel advisory at the time you made your claim ?
I've no idea when you travelled, but certainly around October 2006 there were a significant number of bombings causing the FCO to change their advisory to state a formal warning against all travel to the island.

Travellers should check with insurers period.

Same as now. .don't go.

I did check for clauses in my insurance. I found none. No mention of FCO advisory either.
I wasn't going to call them up and give them the opportunity to say no.

I went by what was stated in the T&Cs....that is after all said and done what the insurance is based on.

[Terpe]

......I went by what was stated in the T&Cs....that is after all said and done what the insurance is based on.

Totally agree.

Here's what Direct Line T&C's state:-

Under the terms and conditions of all Direct Line Travel Insurance policies, there are some countries that are excluded – generally those destinations to which travel is advised against by the Foreign & Commonwealth Office (FCO).

[gWaPito]

Totally agree.

Here's what Direct Line T&C's state:-

''Under the terms and conditions of all Direct Line Travel Insurance policies, there are some countries that are excluded – generally those destinations to which travel is advised against by the Foreign & Commonwealth Office (FCO).''

I didnt see that in my T&Cs when I went in April 2006
Either way, they stumped up.....Theft from my Hotel room.