Travel Insurance

As posted on another thread you are responsible for informing the insurance co if you have had any disease or injury in the past 2 years for ski insurance.

I wonder how many are aware of or indeed inform their insures of these preconditions, I would expect a fair few will chance it & hope that if a claim arose they would not get found out.

Ducking the issue could mean that you are not insured.

Jastem,

Thank you very much for your comments regarding Staysure insurance. I thought it best to clear up one small point, with regards to the baggage limit. While it is true the standard baggage cover on the travel insurance policy is £200. It is possible on BOTH single trip and annual policies to include the baggage upgrade to £2000.

If you have any further questions please feel free to contact me at stan@staysure.co.uk.

Staysure

Stan, I have a question.

If you have stated that you have NO pre-conditions, then where in the policy wording does it say you must provide proof later that this is true if you need to make a claim?

Second question, if it does not say you MUST provide proof with your application for insurance, then why should you be asked to do so later after you have already been accepted for the policy cover? If proof of NO PC's is required should you not be asked in advance before the Insurer takes you onboard?

How do you prove you have no pre conditions?

IMO insurers don't ask for PCs as this could give them a reason to to reject claims if one exists & not revealed at time of purchase, pay your premium & receive a policy that's worthless, easy money.

You must not forget that the onus is on the insured to provide any information that could affect the validity of cover, not on the insurer.

Well this is an interesting development :D

Watch this space - I have contacted Stan!

Brooksy, sorry to disagree, but what you say in my experience is not correct.

The Insurance company did ask if the person had any pre existing conditions on the form when he took out the insurance. The person said NO he did not, then when a claim was made he was asked to prove what he said on the form was true before they would meet the claim which caused a great deal of unnecessary stress for the family concerned.

If you must give a medical certificate to prove what you say is true on the form where they asked the question, they should ask for this up front as Carte Neige do for racing insurance. Then it is clear.

Being asked to prove what you have already stated is true after an accident and refusing payments to hospitals etc when someone is seriously ill until that proof has been provided, in my view, is unreasonable behaviour by an Insurance company.

I would be interested to know what others think about this and has this happened to other people?

Snowcrazy I have reread you're post & sorry about the precondition part, a company I insured with did not ask for info on preconditions & drew my conclusions from that, obviously this is not the case in your post. :oops:

AS to the the rest I completely agree with all your comments & feel as you its disgraceful service.

Direct Travel ask you to declare if you are undergoing any medical treatment, taking medication, or have been hospitalised in the past 5 years. Or something close to that.
It would be be fraudulent to lie.