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craigten

ERV T.Ins. Refuse To Pay For Accident Abroad?

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Hi all,

a bloomin’ nice chap was telling me yesterday how his son has just got back from Thailand with a broken leg he sustained whilst riding a motorbike.

His son’s travel insurance company, ERV Assistance (which he bought through StaySure) refused to pay anything at all (cost my friend 8k) claiming that they only covered motorbikes of up to 50cc and not 100cc, which apparently the bike was.

 

When the lad advised them that he was travelling to Thailand on the phone, absolutely nothing was mentioned to him about such potential issues.

 

My friend had emailed ERV to complain but hasn’t done this sort of thing before.

I’ve suggested that a good old DSAR would be a good idea.to get everything in hand before taking any further steps.

 

Please can I ask for any thoughts on this issue?

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Standard restriction to 50cc moped/scooter.

 

The Insurers offer a non advisory service only under FCA rules. So they would never list all activities covered during a phone call. The policy wording would list all activities covered and some which were not covered. It usually says,that if an activity is not listed, it is not covered.

 

Travel Insurers would not cover riding a bike over 50cc, as too much of a risk. There are more specialist providers who will provide cover for fully qualified bike riders, who are going on a trip.

 

By all means submit a DSAR to see what information was provided, but unless a phone call recording is provided where an Insurance agent says that they would cover bike riding over 50cc, there is not much your friend can do.


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What do the policy documents say?  It'll be in there what is and is not covered.

 

If your friend's son didn't specifically ask over the 'phone if he'd be covered, it comes back to the policy wording.

 

I can't see the point of a SAR unless he's certain he did ask and was told he'd be covered.  (Even then I'm not sure he'd be covered although he could perhaps argue the policy was mis-sold because he relied on what he was told over the 'phone).

 

Did he ask?

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8 hours ago, unclebulgaria67 said:

Standard restriction to 50cc moped/scooter.

 

The Insurers offer a non advisory service only under FCA rules. So they would never list all activities covered during a phone call. The policy wording would list all activities covered and some which were not covered. It usually says,that if an activity is not listed, it is not covered.

 

Travel Insurers would not cover riding a bike over 50cc, as too much of a risk. There are more specialist providers who will provide cover for fully qualified bike riders, who are going on a trip.

 

By all means submit a DSAR to see what information was provided, but unless a phone call recording is provided where an Insurance agent says that they would cover bike riding over 50cc, there is not much your friend can do.

he did not ask. I didn’t know that one had to specifically ask, but then again, I guess it’s the old adage it read the small print.

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