Areas of Law / Insurance law

I booked a holiday in Canada, and took out travel insurance with the travel company. However my GP now says I shouldn’t fly since I’ve started suffering from panic attacks. But the insurers won’t give me a refund because the small print rules out cancellations due to anxiety-related problems. I’ve discovered that the travel company changed underwriters and removed this clause a month after I took out my insurance. It would seem that I’ve missed being able to reclaim £800 by a month.

The travel company may have switched the insurance company it does business with, but the fact is that your insurance was taken out with the previous underwriters. You entered into a contract with the insurers accepting the conditions in the small print unfortunately, and they’re entitled to stick to it.

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