Hoseasons not give refund

[Ethel Street]

Are you claiming against a travel insurance policy or against Hoseasons directly?  I ask because the letter from Hoseasons that you've quoted seems to be about claiming a refund from Hoseasons directly under their standard booking conditions, not a claim against a travel insurance policy.

 

If a travel insurance policy is it one sold to you separately by Hoseasons or did you arrange it yourself?

 

If it's a travel insurance policy insurers will always require a medical certificate of some sort confirming the illness of your children and that in the GPs opinion they are not fit to travel. You only need the certificate for one of the children to say they are not fit to travel and that ought to cover you for cancelling for the whole family who were booked to travel together.

 

It's unlikely that the death of your daughter's sister in law is insured by your travel insurance policy cancellation cover. Cover applies to the death of a 'close relative' but polices always give a detailed definition of what they mean by 'close relative'. Check your own policy, but normally a daughter's sister in law isn't considered by insurers to be a 'close relative' so there is no cover.

Edited April 22, 2019 by Ethel Street

[Ethel Street]

Hoseasons insurance policy has this definition of the relatives whose death entitles you claim for cancellation. It doesn't include your daughter's sister in law. Submit the claim anyway, with Death Certficate, you never know. But I doubt it will be covered.

 

Relative (means) Your    mother    (in-law),    father    (in-law),    step    parent    (in-law),        sister    (in-law),    brother    (in-law),    wife,    husband,    son    (in-law),    daughter    (in-law),    step    child,    foster    child,    grandparent,    grandchild,    uncle,    aunt,    nephew,    niece,    cousin,    partner    (including    common    law    and    civil    partnerships)    or    fiancé(e). 

 

A medical certificate for your grandchildren is more likely to be the route to getting a refund paid under the insurance policy. You won't get anything if you don't submit the medical certificate. The letter the GP gave you for the school will not be sufficient. Insurers need the GP to state expressly whether or not in their professional opinion your grandchildchild was fit to travel. That won't be in the letter to the school. Ask insurers for the claims form and medical certificate the GP needs to sign.

Edited April 22, 2019 by Ethel Street

[Ethel Street]

6 minutes ago, Vauban said:

So if your daughter already has a letter from the doctor, confirming that the children should be kept off school, then why can't you supply this as evidence to the Hoseason's insurance process?  

 

 

Because travel insurers will always require a statement of professional opinion from the doctor about whether the child was fit to travel. The letter for school is unlikely to mention fitness to travel to go on holiday. I can see that OP won't be able to get the necessary doctor's letter herself for her grandchildren, but surely she can ask her daughter to get it? I recommend though that OP checks with insurer whether they need GP to sign a specific form. Often insurers have their own medical certificate they want signed. Better to check that before approaching GP for another letter.

Edited April 22, 2019 by Ethel Street

[Ethel Street]

If the cancellation cover is the premium for an insurance policy, and if they are paying you back the £625 as a claim under the policy, you can't expect them to return the insurance policy of premium of £74 as well. If you hadn't paid the premium you wouldn't have got the claim paid.

[Ethel Street]

If you pay for an insurance policy, and then submit a claim under the policy which is paid, why on earth would you ,expect to get the premium returned to you!