I believe that some insurers require claims to be submitted within 30 days of the cancellation/incident and this was my main concern at the time.
Did you get the name of the person you spoke to at the insurance company? If he said it was OK, I wouldn't worry too much, just keep a note of all your telephone calls.
If it puts your mind at rest, perhaps you could send a letter to the insurance company by recorded delivery stating what you have been told re the delay and asking if this will affect your claim.
It may interest posters to know that it can take up to 1 YEAR for an airline to refund a ticket - the quickest I ever saw was 3 months!
So don't blame the insurance company, it is most likely the airline that is dragging its heels!
p.s. this is where the ticket was a scheduled one, not chartered
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