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A Word of Warning - Amex Travel Insurance LGW Disruption 20.12.18

A Word of Warning - Amex Travel Insurance LGW Disruption 20.12.18

Old Dec 20, 18, 12:04 pm
  #1  
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A Word of Warning - Amex Travel Insurance LGW Disruption 20.12.18

Just spoken to Amex Travel insurance. I have a stand alone Select policy (Select 45 AMT). Iím caught up in the disruption at Gatwick today. My flight has been cancelled. I called for advice regarding booking and claiming for a hotel overnight.

Amex told me that they are treating these events as unprecedented and will not be providing insurance cover for this event. Amex said even though my flight had been cancelled, they interpret the policy to cover bad weather and those sorts of things.

Iíll leave it there.

Palmer
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Old Dec 20, 18, 12:10 pm
  #2  
 
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Things like this do make me wonder what insurance is actually for. Shame on them.
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Old Dec 20, 18, 12:21 pm
  #3  
McG
 
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It might be worth a complaint to the financial ombudsman.

This will be the next ďadd-onĒ that insurance companies will add - ďdrone disruption insurance.Ē
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Old Dec 20, 18, 12:34 pm
  #4  
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Iíve rebooked a flight for tomorrow. Hopefully, this will operate and the airport will be open. However, should the situation continue, I imagine Amex will not cover me for the hotels that Iíve booked over the weekend for my trip, which I wonít be using, if I canít travel.

Iíll try to claim the cost of tonightís hotel from BA. I should be okay up to £200? Is that correct?

Palmer
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Old Dec 20, 18, 12:36 pm
  #5  
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Originally Posted by Palmer View Post
Iíve rebooked a flight for tomorrow. Hopefully, this will operate and the airport will be open. However, should the situation continue, I imagine Amex will not cover me for the hotels that Iíve booked over the weekend for my trip, which I wonít be using, if I canít travel.

Iíll try to claim the cost of tonightís hotel from BA. I should be okay up to £200? Is that correct?

Palmer
Yes, £200 max. I would also printscreen search results to justify if it exceeds £200.
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Old Dec 20, 18, 12:43 pm
  #6  
 
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Doesn't, unfortunately, surprise me. I was caught in the Mallorca floods and couldn't get back to the hotel and had to stay elsewhere. Cost about EUR200 and 5 hours in traffic (could have been a lot worse, I know). But my Amex Platinum Card insurance doesn't cover 'catastrophe' apparently...
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Old Dec 20, 18, 12:52 pm
  #7  
 
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Originally Posted by YtoF View Post
But my Amex Platinum Card insurance doesn't cover 'catastrophe' apparently...
My insurance (not with Amex) does cover natural catastrophes, including ash cloud but I somehow doubt they'd cover the drone disruption (it's obviously not mentioned in the policy) I don't want to call them today to ask because I'm sure they're busy enough but will do once everything is back to normal.

ETA: my insurance is via a packaged bank account but is provided by AXA - looking on their website, they've added a specific section for LGW drone disruption and state they are including it under their Travel Disruption section and will provide cover for reasonable additional accommodation and travel expenses. I am actually impressed.

Last edited by Irreverent Medusa; Dec 20, 18 at 1:29 pm
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Old Dec 20, 18, 1:53 pm
  #8  
 
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Thanks for letting us know about AXA , big plus for them , . I will remember them when looking for Insurance over AMEX
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Old Dec 20, 18, 2:11 pm
  #9  
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Amex UK Travel Insurance is also provided and underwritten by Axa
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Old Dec 20, 18, 2:15 pm
  #10  
 
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Originally Posted by Prospero View Post
Amex Travel Insurance is also provided and underwritten by Axa
That's interesting, does the Amex policy include Travel Disruption Cover? That's the section that also covers floods, avalanches, volcanoes and the likes. I know that's definitely in my policy and that's the specific section Axa mentions on their website to be covered for the drone thing.

https://www.axa.co.uk/insurance/pers...l-information/
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Old Dec 20, 18, 2:19 pm
  #11  
 
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What do they mean by 'unprecedented'? There's no such definition in the Select 45 travel policy. Just make your own travel arrangements and then claim it all back.

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Old Dec 20, 18, 2:25 pm
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Originally Posted by Prospero View Post
Amex UK Travel Insurance is also provided and underwritten by Axa
Forgive me if I am wrong but underwriting doesn't mean the policy is the same as provider?
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Old Dec 20, 18, 2:31 pm
  #13  
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Originally Posted by mario View Post
What do they mean by 'unprecedented'? There's no such definition in the Select 45 travel policy. Just make your own travel arrangements and then claim it all back.

​​​​​
The 45 AMT policy doc contains an exclusion which seems to apply to the The Curtailment; Missed Departure and/or Missed Connection(s); and Travel Delay sections of the policy
any claim resulting from the withdrawal from service of any public transport on the orders or recommendation of the regulatory authority in any country. You should refer any claim in this case to the transport operator involved

Last edited by Prospero; Dec 20, 18 at 2:43 pm
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Old Dec 20, 18, 2:42 pm
  #14  
 
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Originally Posted by Prospero View Post
the 45 AMT policy doc contains a nasty catch all "Terrorism" exclusion clause.

I'll insert it here once I have managed to dig it out
Provided that it is declared by the appropriate authority as an "act of Terrorism". Subject of course your posting.
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Old Dec 20, 18, 2:44 pm
  #15  
 
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I don't see any insurance covering this. Then everyone would be able to claim vast sums and there'd be no insurance companies left.
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