Credit Card Claim

[Rotty]

So you just have to own the card not book it with the card.

nice

 

[Heliospherez]

With the Natwest Black.....

Am I missing something.... or is that a really bad deal.

You pay £250 a year for basically very poor Travel Insurance and Home emergency cover

The Roadside cover is limited to 250 meters from your house ???? The personal assistant is a guy that checks the web to see what you need. Airport lounge and priority boarding will be at most £100 for an average family so what am I getting for that money ?

 

[Dr House]

Note absence of 'or your mate'.
.

http://www.thefreedictionary.com/mate

So if the card holder is the OP's "mate" he should be fine

 

[Rotty]

With the Natwest Black.....

Am I missing something.... or is that a really bad deal.

You pay £250 a year for basically very poor Travel Insurance and Home emergency cover

The Roadside cover is limited to 250 meters from your house ???? The personal assistant is a guy that checks the web to see what you need. Airport lounge and priority boarding will be at most £100 for an average family.

airport lounge is worth 20 per person per trip

 

[SoSolid]

So you just have to own the card not book it with the card.

Smooth.

 

[Pudney]

Btw Dr House, you quoted 'Travel Accident Insurance' NOT 'Travel Insurance'.

Travel Accident Insurance covers you and your guests if you have an accident WHILST travelling. So if you crash your hire car, or whatever. It doesn't cover cancellation of the trip due to a seperate accident occuring before the trip.

Not really relevent though as the OP's mate doesnt have this card anyway.

He just has a Gold current account, which doesn't extend cover to mates of the policyholder.

Actually, reading the T&Cs of the gold cover it does look like the OPs friend is covered for the OPs injury, and further to any costs the policyholder has paid.

What is covered.
We will pay You up to £5,000 (inclusive of any valid claim payable under Section K– Ski pack) for any irrecoverable unused travel and accommodation costs (including excursions up to £250) and other pre-paid charges (including green fees of up to £75 per day, up to a maximum of £300 if You have purchased the Golf Equipment Upgrade) which You have paid or are contracted to pay together with any reasonable additional travel expenses incurred if:

a) cancellation of the Trip is necessary and unavoidable or
b) the Trip is Curtailed before completion
c) You have to make an Early Return

as a result of any of the following events occurring:

1. The death, Bodily Injury or illness of:
a) You
b) any person with whom You are travelling or have arranged to travel with

 

[[TW]Fox]

I have explained that, in length, in this thread.

The OP's friend is covered. The OP is not. Thats the bottom line, and thats what that part of the policy means.

To be honest the best thing to do is just go! It's a broken leg not a brain injury, you can still go on a plane and you can still enjoy a holiday.

 

[Pudney]

So, its clear they pay ONLY the policyholder for the policyholders losses.

Aah yes, but the policyholder paid for the WHOLE holiday, so that is their loss. If they'd paid separately then I'd agree with you but there is a definite distinction between "paid" and "costs".

 

[Pudney]

I have explained that, in length, in this thread.

The OP's friend is covered. The OP is not. Thats the bottom line, and thats what that part of the policy means.

To be honest the best thing to do is just go! It's a broken leg not a brain injury, you can still go on a plane and you can still enjoy a holiday.

Yeah, I'm on a laptop, it's slow going

 

[[TW]Fox]

Aah yes, but the policyholder paid for the WHOLE holiday, so that is their loss. If they'd paid separately then I'd agree with you but there is a definite distinction between "paid" and "costs".

Can't see that washing. Balance of probabilities (ie, what matters in a civil court) is that the policyholder paid ON BEHALF OF the OP for convenience sake, and that the OP paid the policyholder.

Otherwise I'd simply be able to use one cheap £24 Virgin travel insurance policy to cover both me and my girlfriend on holiday simply because everything goes on my card. In reality, it doesnt work like this.

 

[Dr House]

With the Natwest Black.....

Am I missing something.... or is that a really bad deal.

You pay £250 a year for basically very poor Travel Insurance and Home emergency cover

The Roadside cover is limited to 250 meters from your house ???? The personal assistant is a guy that checks the web to see what you need. Airport lounge and priority boarding will be at most £100 for an average family.

the insurance is quite good and covers all card holders and family.

the priority pass costs 260 per year per person
https://www.prioritypass.com/Join/What-it-Costs.cfm

You get 2 with the NW card.

Roadside is europe wide I think it probably does NOT cover you if you are within 250m of your home.

personal assistant, it can be useful when travelling but white's are not the best service around. Centurion concierge is much much better. They can literally do anything.

EDIT: also I think it includes liability cover for when you rent cars but I am not 100% on that.

Btw Dr House, you quoted 'Travel Accident Insurance' NOT 'Travel Insurance'.

Travel Accident Insurance covers you and your guests if you have an accident WHILST travelling. So if you crash your hire car, or whatever. It doesn't cover cancellation of the trip due to a seperate accident occuring before the trip.

Ah I stand corrected.

 

[SoSolid]

I have explained that, in length, in this thread.

The OP's friend is covered. The OP is not. Thats the bottom line, and thats what that part of the policy means.

To be honest the best thing to do is just go! It's a broken leg not a brain injury, you can still go on a plane and you can still enjoy a holiday.

It is a broken metatarsal. I AM NOT ALLOWED TO FLY this soon after breaking it on the doctors orders. I am sure you know better than this though. I would love to meet you in person you are so knowledgeable. Attending any meets?

 

[Pudney]

Can't see that washing. Balance of probabilities (ie, what matters in a civil court) is that the policyholder paid ON BEHALF OF the OP for convenience sake, and that the OP paid the policyholder.

This isn't a suing situation, it's contract law, and it says what the policyholder paid not incurred (or similar). Which is a distinct difference.

Either way we'll never know who's right, but I definitely interpret in the OPs favour here!

 

[[TW]Fox]

It is a broken metatarsal. I AM NOT ALLOWED TO FLY this soon after breaking it on the doctors orders.

Well thats a shame but sadly changes nothing. I was simply suggesting ways to make the best of a bad situation for you.

I am sure you know better than this though. I would love to meet you in person you are so knowledgeable. Attending any meets?

I've attended dozens of meets. Have you?

 

[Heliospherez]

airport lounge is worth 20 per person per trip

And is only available to the cardholder.

Quote "Guest access for anyone travelling with you who isn't a cardholder - just £15 per person "



Just thought I would throw that in there.....

 

[[TW]Fox]

This isn't a suing situation, it's contract law, and it says what the policyholder paid not incurred (or similar). Which is a distinct difference.

So you are saying that anyone travelling on a group trip is fully covered by a single persons single trip 20 quid travel insurance policy - I think not What next, 20 people on the same booking using the same single person insurance policy?

But you are right, we'll never really know what happens - the OP is being curiously aggresive in this thread so we'll never really know if he really gets his money back or not.

 

[SoSolid]

So you are saying that anyone travelling on a group trip is fully covered by a single persons single trip 20 quid travel insurance policy - I think not What next, 20 people on the same booking using the same single person insurance policy?

But you are right, we'll never really know what happens - the OP is being curiously aggresive in this thread so we'll never really know if he really gets his money back or not.

I am not being aggressive I just don't like you and would prefer you to not comment on any thread I make in the future.

 

[[TW]Fox]

I am not being aggressive I just don't like you and would prefer you to not comment on any thread I make in the future.

You don't get to pick and choose who replies when you ask for free advice on an internet forum. You might not 'like' me (Seriously? Don't you have better things to do than decide which posters on an internet forum you like and dont like) but my replies have been about the topic at hand throughout (Well, except when you took things off at a tangant trying to pop at me about cars).

They might not be what you wanted to hear but they were posts about cancelling holidays in a thread about cancelling holidays.

If you post another thread - I'll reply in it if I feel I can offer useful input. And unlike you I don't hold strange grudges against people on the internet so you've just as much chance of me going out of my way to research useful advice for you in a future thread as anyone else has.

I neither like nor dislike you, I've no idea who you are - you were somebody who asked about cancelling a holiday. So I replied about cancelling holidays. If, next week, you are somebody asking about the best way to take foreign currency abroad or the best savings account, then I'll happily reply offering advice and opinion, good or bad, on those subjects as well.

Thats sort of the point in internet discussion forums.

 

[Pudney]

So you are saying that anyone travelling on a group trip is fully covered by a single persons single trip 20 quid travel insurance policy - I think not What next, 20 people on the same booking using the same single person insurance policy?

The first sentence in that section has a £5,000 limit on the claim that can be made under it

 

[[TW]Fox]

The first sentence in that section has a £5,000 limit on the claim that can be made under it

Just the job for the local scout groups trip to Butlins then

You can see my point though - that claim limit would easily cover two of us on a trip to the USA. On a single person policy advertised quite clearly as a single person policy, it simply wouldnt be a stress free claim experience thats for sure..