Context
FOS has published a blog in relation to the customer problems it encounters in dealing with complaints about travel insurance. FOS provides the following guidance for customers to avoid some of the pitfalls it comes across. For travel insurance intermediaries, these issues are perhaps amongst those that you should make clear to customers to ensure good outcomes.
Key points to note and next actions
To help avoid problems with travel insurance and be more prepared for a trip, FOS recommends that customers should:
- Always check the terms and conditions, including any exclusions, to know what’s covered and what’s not.
- Tell the insurer about medical conditions and check what the insurer needs to know about past or current health issues.
- Check the cover for changing flight plans, or for cancelled or missed flights.
- Contact the airline about any lost luggage at the airport or in transit so they can provide a Property Irregularity Report and other evidence to back up any insurance claim.
FOS provides two example case studies: