Thanks UncleBulgaria67 I pretty much thought that would be a good plan of action, have already written to Customer Solutions Manager and the response was pretty much 14 days read the small print etc

My wife and I booked a holiday through coop travel and took their kind offer of free travel insurance, Being a little concerned about the economy and this being our first holiday abroad in 8 years I asked if we were covered for redundancy, after consulting the policy document the salesperson stated as long as the redundancy wasn't known about we were covered (this was the case). Also we declared both myself and my sons pre existing medical conditions. Sadly a few weeks later I was made redundant which as stated was totally unexpected, being sensible we cancelled our holiday as other priorities come first mortgage etc, the salesperson said that as we had cancelled our holiday and would be making a claim we now had to pay £55.00 for the Travel insurance, this was a little upsetting but understandable as the travel agent would not make any money on the holiday. In accordance with the policy rang and asked for a claim form, waited 10 days no form wife rang asked for claim form had no record of previous request, promised form would be posted arrived after 2 days filled in and posted back same day. After looking at our claim requested further documents and evidence of 2 years continual employment with same company, went back to travel agent asked for copies of documents and about employment requirement salesperson states they don't know about that and offers any further help filling in claim form or answering questions about claim form. Spoke to insurer direct they confirm I won't be covered as self employed working for company prior to being employed and not 2 years consecutive employment. My questions are 1. Is the salesperson considered an Appointed Representative or an Introducer Appointed Representative 2. I have tried to persue this matter with coop travel they have replied that after investigating the matter they are not at fault as we were advised to read the policy document in full and cancel the insurance within 14 days if not suitable 3. If I ask a specific question can I reasonably expect a full explanation of cover and limits of cover ie Am I covered for Redundancy. 4. We did read the section of the policy regarding redundancy and it does clearly state that If the redundancy is not known of before the insurance is in place you are covered, however the 2 year employment statement is in the definitions. Thanks for any replies I don't know if its worth trying the insurer again or contacting the FSA as if I am not wrong the new Connected Travel Insurance policy rules may apply, or lastly do I just kiss goodbye to £600 and put it down to experience.