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Channel tunnel travel insurance claim left us in dark The Guardian

In short we agree and, after we asked it to reconsider, so did the insurer. Direct Group Insurance , which underwrites the travel policies on behalf of Swiftcover, was the company that initially declined your claim.

You had quite reasonably claimed for a night at a very modest hotel you were forced to spend in Kent, and the extra costs you incurred as a result of taking the ferry. This totals £91 which, having looked at your claim again, the insurer will now pay.

However, it has refused to pay for your food (£15), arguing you would always have had to eat anyway, or for any of the hotel bill for the night you were forced to spend on the other side of the Channel, even though the tunnel closure meant you and your young child had been up since 3am.

It has not paid you anything for the delay, because your ferry departed within 24 hours of your original booking . Had you got a later ferry it would have paid out £400, in theory.

Small wonder that a growing number of people are now starting to wonder whether it's worth buying travel insurance .



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