Free money: that is the popular view of the European rules on delayed flights. A windfall of at least £225 awaits passengers whose airline delays them significantly, unless the carrier can cite “extraordinary circumstances” that excuse a payout. As travellers survey the turbulence that awaits aviation in the event of a no-deal Brexit, we can apparently be certain only about one thing. When Britain “takes back control", European air passengers’ rights rules will be imported wholesale into UK legislation. You might view this as a very good thing. Surely a decent level of consumer protection is desirable? The rules benefit the disrupted passenger and incentivise airlines to behave decently. But I contend that “EC261,” as the rules are collectively known, can act against the interests of passengers and the wider public. The European Parliament had noble intentions when it brought in the law. Compensation payments to passengers act as a … [Read more...] about Why flight delay payouts are no cause for celebration
Trip cancellation insurance only no medical
Even a year ago, few of us would have been able to quote the headline mental health figure – that half of us will experience a mental health problem at some point. But we know it now. Very, very slowly it seems we’re reassessing and updating our views. We are suddenly realising that ours is a society full of individuals who know what it is to battle with their own brain for the smallest window of clarity or relief. But the massive, prominent and highly influential financial services industry doesn’t seem to be taking part in this national movement. As another summer comes to a close and we all pretend we’re not starting to eye up future breaks already, worrying new figures have lifted the lid on the latest evidence of their failure to appropriately deal with millions of people. Some travel insurers are treating customers with a history of mental health problems unfairly, dramatically increasing premiums for no obvious reason often years after … [Read more...] about Insurers are failing people with mental health problems
It's week one of the summer holidays and Ryanair have already cancelled 600 flights - with more to follow. It comes after the Dublin-based carrier cancelled flights for 50,000 passengers due to strikes last week - with 3,500 more people warned hundreds more will be called off on 3 August due to strike action. And passengers who've been notified at the airport and by phone aren't happy, having discovered their holidays have been put on hold - until further notice. Luckily, if your flight is cancelled, the law says the airline must replace or refund you for the inconvenience. During delays of two or more hours, the airline must to give you food, drink, access to phone calls and emails, and, if overnight, accommodation on top. Ryanair is also giving out vouchers to cover additional travel and hotels. If cancelled, the airline must provide you with either a refund or a replacement flight (although with such backlog, this could take a while) - we've got more on Ryanair cancellation rights, … [Read more...] about Holiday mistake that could cost you hundreds after Ryanair’s cancellations
When it comes to travel, it is understandable that you are more focused on choosing the best destination and booking the best hotels, but insurance is a key part of making sure that your dream trip does not turn into a nightmare. While it offers peace of mind, travel insurance can also be expensive to purchase. Credit cards with complementary travel insurance give you the opportunity to enjoy your vacation trip and get the coverage you need without the costs of buying insurance outright. Visa is one the most used credit cards in the Grand Duchy of Luxembourg. Depending on the type of your Visa card, there will be different eligibility requirements and complimentary insurances on offer. With the Visa Classic & Assistance card, which costs €70 per year, you benefit from travel accident insurance, travel insurance and round-the-clock personal and vehicle insurance. Travel accident insurance covers death and permanent disability resulting from an accident abroad while using … [Read more...] about Does your credit card have travel insurance ?
You've been good, taken out travel insurance before you fly and then... disaster. Not only has something gone badly wrong with your holiday, but your insurance provider won't pay out. According to the most recent industry figures, one out of every seven travel insurance claims is rejected. Considering the average payout is £906 that means people are missing out on thousand of pounds every day with and more than £60million a year. “Every year we see cases of people falling into difficulty," said Mark Tanzer, Association of British Travel Agents chief executive. “While not declaring existing medical conditions or taking part in activities that aren’t covered are easy mistakes to make, they can leave holidaymakers with medical bills that run into thousands of pounds. “I’d urge all holidaymakers to make sure they take out travel insurance and check that it covers their circumstances and holiday plans.” What's stopping people … [Read more...] about When insurers say “no”