Natwest ad gold Travel ins

[martin2006]

Any body had any dealings with natwests adv gold acc travel insurance provider. They are uk insurance.

Reason i ask is that i have recently claimed for cancelled flights, transfers accom etc and they have slashed the claim to barely nothing. sorry its a bit vague but i dont want to put too many details on an open forum while this is still going on.

Also does any one know of a good solicitor for these types of things, just in case i need one.

[yourbank]

I have their insurance policy to hand if that helps.

[martin2006]

Its not that yourbank, i have the policy and what i am claiming for is within the scope of the cancellation and curtailment section. I am trying to work out if they are just trying to fob me off with next to nothing, hoping i might just go away.

[yourbank]

without knowing details it will be difficult to advise

[Bookworm]

As YB says, without info, difficult to advise.

[martin2006]

will gladly supply all info if u like via e-mail or pm. as i said though this

[martin2006]

...........as i said though this is an ongoing claim and i dont wish to post details directly onto an open forum. If u can let me know where to send details to i will gladly do so.

[martin2006]

bump

[martin2006]

having a little difficulty with retrieval of replies to my posts. I know yourbank has replied but it doesnt display.

[yourbank]

advice given via Private Message is not challengeable and therefore I cannot help except on an open forum. Possibly Private Message a member of site team?

[martin2006]

am having some trouble with the system updating posts. I cant see any posts later than my post #7 yet i can see yourbank has replied since then. Any mods know what might be wrong?

[martin2006]

Ok i just got updated.... what a liberating experience.

Thanks yourbank i understand.

I do have an update though. Spoke to insurers and they agree that some parts of claim have not been addressed correctly so hopefully we should now be ok.

I'll know more in a few days time when letter arrives.

If all goes well and its acceptable i will post full details, if only to assist others in similar situation.

[yourbank]

good to see things looking more positive. F5 will refresh the page

[LemonTwist]

Why can't you post the full details on the forum? I'm not keen on the idea of giving people advice via PM.

[martin2006]

its an ongoing insurance claim and the spies may be watching.

[LemonTwist]

Spies? There's no need to be scared about spies; the members of this forum have helped many people with their insurance problems. If you have a legitimate claim, people here would be happy to help you with it.

[martin2006]

Ok, here goes.

 

were due to go on holiday 23/6/08. Youngest son came down with chickenpox on 22/6/08. Airline refused any of party of 7 (2 adults 5 kids...not all mine i might add) on board aircraft for obvious reasons. Informed insurer and queried that if i were to book separate one way flights 6 days later after son had been cleared to fly by uk doc, would it affect a claim for loss of original flights and accom and transfers and would we still be covered for remainder of trip. Told by insurer that all would be fine and to continue with holiday. So booked new flights and flew out 6 days late. During that pre flight week we had been in touch on daily basis with travel agent regarding booking of new flight and to ensure that both the accom and transfers were still booked and usable including alteration of travel date info to transfer supplier. Assured on no less than 6 occasions that transfers had been re-arranged and accommodation informed of new arrival date. Arrived in bodrum, turkey @4 am sunday morning to find 1 suitcase had been "lost" on flight and no transfer to take us the 80km to resort. Had no choice but to take 2 taxis (7 of us) and pay £130 for which we got receipts. Suitcase arrived three days later on another flight, but as it contained only my daughters clothes we had to buy her a few new outfits etc. Didnt get receipts for these as bought from turkish markets.

Arrived at accom to be told that our two rooms had been sold and that they had not been informed of our new arrival date. Kept waitng in lobby for further 8 hors after travelling all night with kids until accom manager found us 2 rooms.

2 days later on tues 2 more kids came down with chickenpox and we were confined to rooms. Wife and 3 kids flew home on original return flights and slf and 2 ill kids had to stay a further week until turkish doc was happy they were not contagious. Insurance paid for extra accommodation and return flights but would not pay for transfer from accom to airport, said we had to sort it out ourselves coz they wouldnt be able to pay for it without invoice. No such problem paying for accomm extension or flights.

Turkish doc made us pay £100 fees and gave us reciepts for this to claim back from insurer. Insurer refusing to pay saying it is excess.

i have gathered all necessary documentation, I.E. Fit to fly reports, Report from transfer company confirming that incorrect information given by travel agent caused transfer prob on arrival. reciepts for lost baggage, unused flight tickets, in fact everything we should have needed in order to back up claim.

Now i know some will say part of fault is with travel agent and that is a separate claim with them.

Insurer offered to pay for new flights outward but will not pay for lost outward flights nor unused inward flights.

will not pay anything for missing suitcase even though it is covered for upto 48 hrs missing.

They will not pay for taxis when transfers did not turn up although i suspect this is coz travel agent cocked this up.

They will not pay for accommodation lost in first week of hol, nor for last 6 days when we were confined to room.

Considering this was virtually a total loss holiday except for 2 days when no-one was ill, you can imagine how p$%^%d off i was when they offered me £658 for the new outward flights coz this is cheaper than paying for what i am insured for, as in the original flights booked and £61 for unused transfers for the return journey and refunded £31 foe the return transfers which we had to organise and pay for ourselves.

 

Ive kept it as brief as i can but included everything that went wrong.

 

Oh..............Turkey is fab.......What we managed to see of it!!!

Edited August 14, 2008 by martin2006

[LemonTwist]

That sounds like one horrid holiday. Did the tour operator offer to pay for the taxis you had to use due to the lack of transfers?

[martin2006]

No lemontwist, they left us stranded 80 km from the resort at 4am on a sunday morning.

Heres what were actually claiming for from the insusres and the travel agent.

Insurance.

 

1. Loss of outbound flights.......£718.19

2. replacement flights..............£615.93

3. Loss of 1st 6 days accom......£277.92

4. Missing suitcase for 3 days....£?

5. Loss of return transfers x3 £26.42

6. Loss of return flights x3.........££307.80

7. Refund return transfers x3.....£31.25

 

Total....................................£1977.51 + allowance for suitcase

 

Travel agent

 

1. Loss of outbound transfers x7...£61.64

2. Taxis....................................£130.00

 

Total.......................................£191.64

 

Grand total.............................£2169.15

 

To date i am yet to hear anything constructive from Travel agent, had the usual we'll try and do something within 28 days.

 

Insurance initial offer was £658.32 which is for INS #2 and #7, and surprisingly considering fault lies with travel agent, TA #1.

 

Spoke to ins again earlier this week and they will now pay for INS #3 and #6, another £585.72

 

So in total they have authorised £1294.54 less £50 excess.

 

Ok if your still with me i believe i should also be entitled to the remaining amount of the claim, i.e. loss of outward flights and loss of return transfers. I am basing this on the fact that they have authorised paying for replacement flights, loss of return flights and repatriation flights to uk, so why exclude original outward flights. Same with return transfers.

 

Anyone disagree?

[martin2006]

Sorry i forgot this bit. Received cheque for initial £658.32 but have not yet banked.

2nd cheque for £585.72 on its way.

 

Q. Should i reply with thankyou for partial settlement and bank chqs or return chqs with letter of rejection.

 

Thanks guys (and gals)

[martin2006]

Spoke to ins yesterday and queried that if it was ok to pay out for lost return flights, repat. flights and additional outward flights, why will they not pay for lost outward flights?

They are now relooking at the claim with a view to cancelling payout for additional flights and paying out for lost outward flights. They are trying to make out that these were paid out in error!!!

 

Some 5* insurance company these jokers are.

[martin2006]

Since this ins comes with the Natwest ad gd account i am now considering whether or not to cut my losses and put a claim in for charges from natwest instead. i have all statements so can easily work out how much the blighters have stolen from me.

 

I'll get me money one way or another.....HA HA!!!!

[yourbank]

if it is advantage gold charges, you cannot claim them as they are not penalty charges;)

 

EDIT: the company is not 5* the insurance is rated as that by a company called defaqto(yes i did google it for any links directly to RBS Group. There do not appear to be any)

[martin2006]

All the charges for unpaid items, paid referrals etc are most definately claimable. I wasnt referring to the monthly account charges, most of the penalty charges on my account are pre ad gld and applied when it was a mere current plus account.

 

Any travel insurance claims specialists on here care to comment on the essence of my claim?