For my next letter - suggestions welcome lol

[donnashuggy]

A few months ago I purchased a return ticket to Perth as my daughter was expecting a baby on election day.

I took out insurance in case because of work and dates.

Silly or dumb me (who has never claimed insurance on a flight so made assumptions and didn't read the policy)

I ended up flying over earlier with a different airline.

I was told I had to cancel the flights prior to claiming insurance which I did. Then I filled out the forms and used 2 words for the reason to claim (work commitments)

They don't cover for that apparently, so I want to write them a letter and tell them that it is dumb and misleading as it clearly said 'cancellation' and I didn't think I would need to tell fibs and say I was sick or something 

Fair enough I didn't read their stupid policy, but I would have happily changed the dates and used the credit at a later date, this was not offered to me in fact both the airline and insurance company were cagey when I made enquiries prior to cancelling my flight and claiming.

I don't really expect a refund, nor do I expect a credit, I just want to write a letter complaining as I feel that a lot of people would be caught out with this, I thought work would be a valid reason, especially when giving notice.

[lakeland27]

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@donnashuggy wrote:

I think if someone close to me died the last thing i would think of would be claiming a flight, do they ask for a death certificate i wonder? that might just tip me over the edge lol

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they do ask . there was a case a year or so back.

[donnashuggy]

well that would be worse than being a funeral director - or a brown bomber asking for that!

[**meep**]

Never read an insurance policy in my life meep.

It used to me my job - to advise consumers of their rights and responsibilities.  I can assure you, you are not in the minority.  A lot of people agree to conditions without knowing what they are.  (not gonna give you a lecture lol)

I would be happy to assist you with writing the letter but as I said earlier, I need more information.   Your complaint needs to be based on something.

[**meep**]

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@my*mum wrote:

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@donnashuggy wrote:

I'm going to write a letter, it's pretty hard to find people on cs that don't read insurance policies, that is funny 

Did you miss this bit crikey?

I don't really expect a refund, nor do I expect a credit, I just want to write a letter complaining as I feel that a lot of people would be caught out with this, I thought work would be a valid reason, especially when giving notice

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Of course you want a refund!
 Check your inbox.

I haven't seen their policy (obviously) but c'mon hey! How can you blame them for you not reading their terms and conditions? There is only so much info they can put on the front page.

Did they try to hide them from you?

Did you ask if there were any exclusions/restrictions?

saying you "thought" work would be included is like me saying to you I "thought" I could put that t-shirt in the dryer, and you didn't tell me I couldn't when I bought it.

On the bright side, the lesson to always read the small print has been pretty inexpensive. My lesson was far more expensive than a couple of plane tickets LOL

If you're going to complain and want to be effective, also make suggestions as to how you feel they could improve - ie, on the front cover of the policy under the word cancellation, list what is covered with a big tick beside them, and what isn't covered with a line through it in large simple terms

CANCELLATION

# some illnesses

# death of .....

work committments

change of mind

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Like this one, its pretty clear:

http://www.travelinsurancedirect.com.au/trip-cancellation-insurance