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stuw 
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Post subject: SCUK insurance vs Volcano
 Posted: Sep 08, 2010 - 09:58 PM
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First post: Nov 03, 2008
Total posts: 34
Status: Offline
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Hi,
Just wonderd if anyone here got stuck abroad due to the volcanic ash cloud in April, and if so, did you have scuk insurance and have you managed to get any money out of them?!
We were stranded in America for 10 days & tried to claim under the delay conditions of the policy. However, they only pay out for delays caused by weather problems or mechanical problems with the plane and they don't class an ash cloud as a weather issue, so claim rejected!
Anyone else had this?
Cheers |
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charlie
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Post subject: RE: SCUK insurance vs Volcano
Posted: Sep 08, 2010 - 10:50 PM
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First post: Oct 11, 2004
Total posts: 8763
Location: York
Status: Offline
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| Act of god innit, very few peoples policies paid up. |
_________________
Official SCUK crash test dummy.
Photography
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tomtea
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Post subject: RE: SCUK insurance vs Volcano
Posted: Sep 09, 2010 - 02:26 AM
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First post: May 02, 2010
Total posts: 266
Status: Offline
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Thats bullshit. It say's nothing in the policy about 'acts of God', natural disaster etc... Though saying that, when does something change from bad weather to an act of God? Is a snow storm an act of God?
I'd keep emailing them, have you got a letter confirming the flight and reason why it was cancelled? By definition, weather is the state of the atmosphere and if the airline found it unsuitable to fly in, it should be classed as bad weather. If that doesn't work, I'd try the bit about grounding of a plan due to technical reasons. I'll ask a friend who did law, think it all comes down to what their definition of words are. |
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philboarder
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Post subject: RE: SCUK insurance vs Volcano
Posted: Sep 09, 2010 - 03:15 AM
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First post: Jul 29, 2006
Total posts: 887
Status: Offline
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| Not a chance most of the insurance companies didnt pay out from what i heard |
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woody2shooz
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Post subject:
Posted: Sep 09, 2010 - 05:00 AM
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First post: Oct 08, 2006
Total posts: 323
Location: Niseko, Hokkaido, Japan
Status: Offline
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| it's not a matter for the insurance companies. EU regulations are that the airlines are to compensate passengers for costs incurred. There is probably the word reasonable in there somewhere too. |
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MattR
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Post subject:
Posted: Sep 09, 2010 - 08:37 AM
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First post: Oct 30, 2004
Total posts: 2847
Location: Sweden, look, snow!
Status: Offline
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Oh, our home insurance paid up for our 6 day delay, the airline has just refunded me the unused flight legs (we ended up getting a different flight home). Also got the money back for sports equipment carriage, and our half board hotel bill covered.
Think we will end up being out of pocket by about £5 by the time all the dust settles. Not bad for an extra weeks holiday.
And we didn't have any proper holiday insurance.
Maybe you are asking the wrong questions? (and depending on the Airline, they may not be covered by the EU regs for compensation) |
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nickmotture
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Post subject: Re: RE: SCUK insurance vs Volcano
Posted: Sep 09, 2010 - 08:50 AM
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First post: Jan 09, 2006
Total posts: 10221
Location: Washington DC USA
Status: Offline
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tomtea wrote:
Thats bullshit. It say's nothing in the policy about 'acts of God', natural disaster etc... Though saying that, when does something change from bad weather to an act of God? Is a snow storm an act of God
Terribly sorry old chap but you're guessing there. Its not bullshit its fact and its standard in every single insurance policy in the world. Do you not watch the news?
Some decided to pay up some didn't but none of them had to by law. |
_________________
www.dalikfodda.com
www.686.com
http://www.facebook.com/pages/The-Board ... 0231728399
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R1ch
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Post subject: RE: Re: RE: SCUK insurance vs Volcano
Posted: Sep 09, 2010 - 09:53 AM
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First post: Jan 07, 2005
Total posts: 572
Location: London
Status: Offline
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I've heard a lot of people are trying to dispute their policies where insurance companies failed to pay out because of the Volcano, due to an 'act of god'. The basis being that the wording of their policy says 'Act of God' yet they are using this to turn around to the insurance company and say... prove the existence of god!  |
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nickmotture
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Post subject: RE: Re: RE: SCUK insurance vs Volcano
Posted: Sep 09, 2010 - 09:56 AM
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First post: Jan 09, 2006
Total posts: 10221
Location: Washington DC USA
Status: Offline
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tomtea
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Post subject: RE: Re: RE: SCUK insurance vs Volcano
Posted: Sep 09, 2010 - 09:58 AM
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First post: May 02, 2010
Total posts: 266
Status: Offline
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So your saying that it's okay that a insurance company won't payout because it doesn't want to. Reason I said it's bullshit is because the OP is covered. It's got not nothing to do with what's happened with other companies. An insurance company is out to make money, they will contest every case as the more they payout, the less profit they make. They would have took a massive hit on this, but these events are why people take out insurance. I'm not guessing, it's fact. If it's covered in their policy and the holder followed the companys conduct, then by law they have to payout. Act of god isn't mentioned or worded in the SCUK insurance so they can't fall back on that ground.
I guess this is were we differ. If I had to pay for an extra set of flights, I would fight this to the end...were you would just roll over an take it. |
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nickmotture
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Post subject:
Posted: Sep 09, 2010 - 10:20 AM
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First post: Jan 09, 2006
Total posts: 10221
Location: Washington DC USA
Status: Offline
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| Dude youre not ther first person in ther world to say this, plenty of people are trying to fight the insurance companies. I'm just saying the fact of the case according to law. No insurance covers what is widely accepted in the insurance industry to be called acts of god, you can moan about it all you like and say you'd fight it and good for you. I dont agree with it either but thats irrelivant, the law is whats relivant. Thousands of people have been through the same thing, what you or i think doesn't actaully matter the slightest. |
_________________
www.dalikfodda.com
www.686.com
http://www.facebook.com/pages/The-Board ... 0231728399
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R1ch
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Post subject:
Posted: Sep 09, 2010 - 07:03 PM
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First post: Jan 07, 2005
Total posts: 572
Location: London
Status: Offline
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From everything I've read on the subject, a lot of insurance companies are giving back money as the result of the Volcano, those who aren't can be challenged with a good chance of winning.
What has changed though is most have now amended their policies to reflect Volcanos, so you won't be covered if it happens again. Some though are offering Volcano coverage as an optional extra.
It's all a bit this!
http://www.youtube.com/watch?v=v6KQhiiYTtA |
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dunx
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Post subject:
Posted: Sep 09, 2010 - 09:44 PM
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First post: Oct 07, 2004
Total posts: 9071
Location: Herts, UK
Status: Offline
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stuw
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Post subject:
Posted: Sep 09, 2010 - 11:03 PM
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First post: Nov 03, 2008
Total posts: 34
Status: Offline
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Thanks for the responses, thought I would be wasting my time chasing it so thanks for the confirmation. Saved me a lot of bother!
For the record Virgin did pay out for acomm and food so all was not lost, and I had no complaints at being stuck in America for an extra 10 days honeymoon!
It's just annoying that you take out insurance and the only time ive ever needed it and claimed I get nothing.
Nevermind
Cheers |
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MissBint37
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Post subject:
Posted: Sep 10, 2010 - 11:40 AM
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First post: Sep 01, 2008
Total posts: 1062
Location: Sunny (I wish) Sheffield
Status: Offline
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I was about £500 out of pocket after getting stuck for a week. I don't have SCUK insurance, I have mine through BASI (it's the same as one of the good dogtag policies, can't remember which). The airline refunded the flight cost but not my accomodation/food. I had to come home by train in the end which cost about £300 boooooo  |
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Not sure how they would conclude which god was responsible though
