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Photo by Lois Pryce, schoolkids in Algeria

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Photo of Lois Pryce, UK
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  #1  
Old 30 Mar 2007
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Originally Posted by MikeS View Post
I

We recently met an english guy here who`d had a 750GBPs laptop stolen out his room and because he`s in Colombia and the Foreign Office says don`t go there, he can`t make an insurance claim.

Maybe someone else can shed some more light on this issue though.
It's the latest 'game' of underwriters to avoid paying out any compensation if you come unstuck..... if the FCO advises against travel to that town/part/city/country etc etc and you have an incident...you're not covered....... It has been stated that it is the insured's responsibility to keep checking the FCO website daily for any changes....like that's all people do when travelling.... -
So one minute you feel confident having purchased your insurance then a 'situation' arises and ...you're no longer insured....... Russian Roulette anyone? better odds methinks!

MikeS is right IMHO. Look at this document....8 pages of explanations/exclusions/terms etc etc etc
http://www.globelink.uk.com/wording.pdf
And if you get past that and all is well...then there's always the FCO.....
Last edited by Bertrand; 30 Mar 2007 at 19:36.
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  #2  
Old 6 Mar 2009
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Originally Posted by bert333 View Post
It's the latest 'game' of underwriters to avoid paying out any compensation if you come unstuck..... if the FCO advises against travel to that town/part/city/country etc etc and you have an incident...you're not covered....... It has been stated that it is the insured's responsibility to keep checking the FCO website daily for any changes....like that's all people do when travelling.... -
So one minute you feel confident having purchased your insurance then a 'situation' arises and ...you're no longer insured....... Russian Roulette anyone? better odds methinks!

MikeS is right IMHO. Look at this document....8 pages of explanations/exclusions/terms etc etc etc
http://www.globelink.uk.com/wording.pdf
And if you get past that and all is well...then there's always the FCO.....
That's true and worth thinking about. A few years ago I questioned 4 of the insurance companies mentioned here to ask them what part of the FCO list is included, as there is kind of 4 lists: Do not go at all, do not go to parts of, only go if you really have to, only go if you really have to to this part of the country.

They all said that any mention of the country on the list excluded that country. At the time the likes of Mali, India and Thailand (recent coup)were all on the list so you weren't covered.

They should be challenged on these points and this highlighted in bold when you buy etc
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  #3  
Old 6 Mar 2009
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Travel Nation
we are currently in the process of challenging Travel Nation on their policy. Because Rose and Dave had such a good experience we have decided to go with them, especially as they let you extend on the road. So I spoke to them about the FCO list, same as Dave, and they said the same thing to us. So I have asked for this in writing, and the agent, Karl, asked me for a list of countries we are going to, and is going to get that OK'd by the underwriters. I have yet to hear back, but I will update here if we do get this.

Thanks to all contributing, this is one handy thread!
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  #4  
Old 6 Mar 2009
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Hi Ollie / all

FWIW, we used Campbell Irvine (contact: Mike Berry) due to a number of conversations I had had with insurance companies on the FCO-blacklisted issue.

The best I was able to get was an assurance from Mike that we would be covered in such places subject to the following:-

a) Underwriters were informed of our intention to visit such places by way of a declaration to that effect on the proposal form, or
b) In the event that plans changed once on the road and we wanted to go to a place we hadn't put on the proposal form, Underwriters consent was obtained prior to us going there.
c) In any event, cover would NOT be applicable for claims that arose out of the reason a place was blacklisted. Eg - if we got shot/kidnapped/caught in a bomb blast in Kashmir we would not be covered, but if we were involved in a road accident, or any other incident that could have happened anywhere, we would be OK.

This is an improvement on most standard companies, which simply exclude all cover in such places no matter what.
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  #5  
Old 6 Mar 2009
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Yes - if we can get that sort of assurance we will take it, although Travel Nation comes in cheaper than Campbell Irvine ...
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  #6  
Old 6 Mar 2009
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Ollie, I looked into this seriously a few years ago and am now starting to again now. CI offered a very high standard of insurance from what I remember, very comprehensive and they are a good solid 'name' from what I can gather.

So perhaps don't base you decision 100% on costs (if you are, I don't know ;-) as you may need to use the insurance in a real emergency etc

Just a thought!
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  #7  
Old 6 Mar 2009
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hi good point but we have used travel nation for 3 years now and guess who was the under writer yes campbell and irvine, so you get good cover for a good price instead of a high price, just because you havent heard of the insurance company doesnt mean that they are sub standard.
travel nation now use axa for under writing now but we have had no problem with their service for three years of constant overlanding.

so to sum up you could get your insurance from BIN LADEN EXSPLOSIVE INSURANCE just because the name is a bit iffy dosent mean the under writers are
dave
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