Hoping someone on here can help me please!
Had to cancel my honeymoon to Bermuda back in September, a couple of days before I tripped up the stairs at home and landed on my wrist badly spraining it. Pain was very bad and could not dress myself properly (doing buttons up etc) and knew that I couldn't make the holiday as there was no way I could pull or lift cases or ride the scooter we had hired for when we go out of there.
Cancelled the flights and got all but £80 back from BA which was good, but could only get the security deposit back on the property which left me £5500 out of pocket. Filled in the claim form about a week later, and thought i had better get some supporting evidence so I photographed my wrists for comparison, and went onto the pushdoctor site so that a GP could see the sprain and also to confirm that I had been taking the right steps to care for it. He confirmed it was a bad sprain.
Insurer has led me on a merry dance, and I have been truthful with them from the start, but after sending me to get more doctors reports and generally being a pain in the backside they have now declined my claim saying that I should have got a not fit to travel certificate before the holiday. Their terms and conditions state that you have to be examined by a doctor for a not fit to travel certificate but this does not state that it has to be before the travel date.
I'm going to write to the CEO tomorrow as I have asked for their escalation process but they have ignored my last three emails. I am confident that if I issued a court claim against them I would have a good chance of being successful, as legally I don't think their reasons for declining me a payout have much legal merit, this coupled with the fact that they knew the facts of my claim right from the very start but still made me jump through hoops before declining my claim has pissed me off a lot.
I would welcome any views from BBS'ers before I fire a letter off or start legal proceedings :p
Had to cancel my honeymoon to Bermuda back in September, a couple of days before I tripped up the stairs at home and landed on my wrist badly spraining it. Pain was very bad and could not dress myself properly (doing buttons up etc) and knew that I couldn't make the holiday as there was no way I could pull or lift cases or ride the scooter we had hired for when we go out of there.
Cancelled the flights and got all but £80 back from BA which was good, but could only get the security deposit back on the property which left me £5500 out of pocket. Filled in the claim form about a week later, and thought i had better get some supporting evidence so I photographed my wrists for comparison, and went onto the pushdoctor site so that a GP could see the sprain and also to confirm that I had been taking the right steps to care for it. He confirmed it was a bad sprain.
Insurer has led me on a merry dance, and I have been truthful with them from the start, but after sending me to get more doctors reports and generally being a pain in the backside they have now declined my claim saying that I should have got a not fit to travel certificate before the holiday. Their terms and conditions state that you have to be examined by a doctor for a not fit to travel certificate but this does not state that it has to be before the travel date.
I'm going to write to the CEO tomorrow as I have asked for their escalation process but they have ignored my last three emails. I am confident that if I issued a court claim against them I would have a good chance of being successful, as legally I don't think their reasons for declining me a payout have much legal merit, this coupled with the fact that they knew the facts of my claim right from the very start but still made me jump through hoops before declining my claim has pissed me off a lot.
I would welcome any views from BBS'ers before I fire a letter off or start legal proceedings :p
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