Travel 保険会社 is 辞退するing to 支払う／賃金 in 十分な for cancelled accommodation because my wife wasn't on the 政策

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On 28 August 2023, my now wife and I got married. I'd 調書をとる／予約するd a surprise honeymoon the next day to Lake Como.?

It was a surprise as we really could not afford it whilst planning the wedding, so we agreed to not have one 最初.

I 手配中の，お尋ね者 my wife to have a honeymoon as the wedding planning had been a 堅い time for us. I managed to work extra 転換s on the 週末s to 支払う／賃金 for this trip.

Unfortunately, 予定 to 空気／公表する traffic 支配（する）／統制する 問題／発行するs our flight was first 延期するd for an 延長するd period of time before 結局 存在 cancelled.

Failing to take out a travel 保険 政策 could see you lose thousands in the event of flight 取り消しs - pictured, Lake Como

My 保険 company 海軍大将, with wh om I have been making a （人命などを）奪う，主張する, have only agreed to 支払う／賃金 half the accommodation costs for our trip.?

It 明言する／公表するs it's because it only covers the cost of the person insured.?

But the accommodation was 調書をとる／予約するd 単独で by me and I would have needed the same accommodation (one room) even if I was staying alone (the hotel only had 二塁打 rooms 利用できる at the time).

We are unable to 調書をとる／予約する or 計画（する） the honeymoon as we were waiting for our money 支援する.

It's really 不公平な as the entire 状況／情勢 was out of our 支配（する）／統制する and all we ask for is our money 支援する so I can take my wife on our first holiday/honeymoon. S.T 経由で email

Harvey Dorset of This is Money replies: You were very unfortunate in that you had no choice but to 取り消す your trip, even more so that it happened to be your honeymoon.

When taking out an 保険 政策, it is important to be aware of the 詳細（に述べる）s in the 条件 and 条件s, 特に when it comes to travelling with a partner.?

However, often travel 保険 is an afterthought - and T&Cs rarely 完全に 徹底的に捜すd over.?

In 2021, only 14 per cent of people who took trips abroad had 選び出す／独身 trip travel 保険. Of those that didn't, a ４半期/4分の1 said they didn't think they would need it, and 16 per cent forgot.

Unlike car 保険, insuring your trip abroad is not a 合法的な 必要物／必要条件, but the costs of failing to do so can be sky high.

In your 事例／患者, you had the forethought to take out a 政策 before travelling, but your wife was not 指名するd on your 保険 政策, meaning that although you only 調書をとる／予約するd one room, your 保険 provider was only willing to 支払う／賃金 out on your 株 of the accommodation cost.

However, your wife did have her own travel 保険 - but the fact she was not 指名するd in your accommodation 調書をとる／予約するing means that she was not able to （人命などを）奪う，主張する her 株 of the accommodation 経由で her provider.

I spoke to 海軍大将 on your に代わって, but unfortunately in this 事例／患者 This is Money was unable to get the result you were looking for, with 海軍大将 辞退するing to 支払う／賃金 out in 十分な as your partner was not 指名するd on your 保険 政策.

I spoke to 消費者 専門家 Scott Dixon, to find out what you should do next.

Scott Dixon, a 消費者 and モーターing 論争s 専門家 who r uns the website The （民事の）告訴s Resolver, told This is Money: It's important that you read the T&Cs on 保険 政策s, as this forms part of your 契約 with the 保険 provider.

消費者 専門家 Scott Dixon recommends 捜し出すing the advice of the 財政上の Ombudsman Service

保険 companies will go through your （人命などを）奪う，主張する with a 罰金 tooth-徹底的に捜す to see if there is a 推論する／理由 to 拒絶する／低下する your （人命などを）奪う，主張する.?

In this instance, 海軍大将 have 扱う／治療するd their 顧客 公正に／かなり and have honoured their contractual 義務s.

If you are unhappy with the 結果 from an 保険 （人命などを）奪う，主張する, request a 行き詰まる letter.?

This is a final 返答 from the 保険 company, which 許すs you to 言及する your （人命などを）奪う，主張する to the 財政上の Ombudsman Service for consideration.

保険 providers do not like （人命などを）奪う，主張するs 存在 referred to the FOS as it costs them money.

重要な 条件 need to be fair, bold, transparent and balanced in-line with S62 and S68 of the 消費者 権利s 行為／法令／行動する 2015. 保険 providers cannot rely on small print buried in their 条件 and 条件s to 拒絶する／低下する a （人命などを）奪う，主張する.

Stick to your guns if you believe that you have been 不公平に 扱う／治療するd by an 保険 provider, as they often rely on spurious 条件 & 条件s to 拒絶する／低下する a （人命などを）奪う，主張する.

Perseverance breaks 抵抗 every time.

A 広報担当者 for 海軍大将 said:?We're sorry to hear that Mr T's holiday was unable to go ahead because of 空気／公表する traffic 支配（する）／統制する 問題／発行するs on the day they were 予定 to travel.?

We understand from Mr T that he's received a 十分な refund from the 航空機による, and we hope that they get to enjoy the trip together at a later date.

We have looked into Mr T's （人命などを）奪う，主張する and can see that he bought one travel 保険 政策 with us online for himself only and selected a start date of 10 August 2023.?

As Mr T's partner did not take out travel 保険 with us, the （人命などを）奪う，主張する has been settled to cover his 割合 of the accommodation costs only.

Our 政策 調書をとる／予約する 言い回し advises 顧客s we won't cover costs for anyone not 指名するd on the 政策:

General 除外s ? page 27,?30. 支払う／賃金ing costs for others

Any costs where you have paid for anyone not na med or insured on this 政策. This 適用するs even where, for example, you have paid for another person's travel or accommodation costs.

We 堅固に advise all 顧客s to 確実にする that they take out travel 保険 for everyone who is 予定 to travel before starting their holiday.?

A 要約 of cover can be 設立する on our website along with 十分な 条件 and 条件s for all of our 保険 政策s.