I completely forgot, I didn’t think as it was Cap-quest.
I checked and the payment matches with the number in the POC.
I don’t want to call Dryden’s although I’m concerned about the “legal” action. What do you think I should I do next?
Did you take screenshots or anything of the descriptions that you gave? Do you have any evidence to support you say?
In any event, you paid for the insurance, you declared the parts having given the descriptions and they accepted it all on that basis. You have begun the claim procedure yet so I suggest that you do so. We'll see what happens.
In any event, it could be said that the various sections are contradictory. Parts relating to vehicles are containing three separate sections and it is relatively difficult to discern which section a particular part should come into.
Section 69 of the consumer rights act relates to ambiguities and basically says that an ambiguity must be interpreted in favour of the consumer.
I have booked a Hotel/Flights Package with the above paying a 10% deposit with the balance due a month before travel next August.
On looking at Cancellation Charges they virtually say 100% 84 days out plus.
According to the Package Travel and Linked Travel Arrangements regulations 2018 - termination fees have to be "Reasonable and Justifiable"
I find it hard to comprehend how last minutes charges could fall into the above description.
For example the hotel is available on Booking.com for our dates with no pre-payment and free cancellation up to the day before arrival.
I'm not sure of their arrangement with BA but the tickets we reserved have doubled in price in the last week and could easily be resold.
I can't find any anecdotal evidence or Court Cases relating to them trying to collect Cancellation Charges from people who have not already paid the full balance and cancel. If I were to cancel 8 months out is it likely they would pursue me for the remaining balance.
Something else I think you need to ask the Insurer for Clarification on is.
That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.
I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)