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Name: Nicola Bray

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Avoid like the plague. We took out the top level cover AND optional travel disruption but they still didn't pay out

I took out the Annual multi-trip insurance with the 'take as many trips as you like' and 'arrange just once for all-year cover' subject to a maximum duration of 90 days for the Annual Black (Family) Cover that I opted for. It said "if you cancel or cut your trip short then we will pay up to the policy limit for travel and accommodation you don't use and can't claim back directly" and when you click on the link on the website regarding one of the reasons they'd pay this it clearly stipulates that it would pay you for 'any claim that results in you missing a connection flight'. So you think...great...I have around 12 connecting flights from London - Kiev - India + internal flights - Kuala Lumpur - Cambodia - Thailand - Vietnam - Egypt - Amman - London ...a whirlwind honeymoon covering lots of places and I need to cover myself in the event something goes wrong. The thing is what they DIDN'T say is that they only cover delays on the first flight and the last flight...none of the flights inbetween. We'd taken the optional Travel Disruption cover out as well. So... our plane nearly went down and emergency landed on the 2nd flight from Kiev to India with NO compensation for the 24-hour delay, we totally missed our hotel and paid excursion in Delhi...we didn't even see Delhi, we lost half a day in Cambodia due to flight changes and a few more things besides. Trying to get through on the phone for a claim is hard. They aren't open when when they say ...only their sales team takes calls later in the evening. I'm woefully unimpressed with my £466.41 insurance. Reviewed on: 4th February 2020