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Holiday insurance broker gave incorrect info and now insurance company wont pay out.? |
When taking out holiday insurance i used the same company i have always used but this time we were taking a motorcycle holiday so i specifically asked the broker if we were covered for touring around europe on our motorcycles or if i needed to take extra cover as this isn't an everyday joe bloggs holiday. I was placed on hold and the member of staff came back and told me i didn't need to and asked no further details. My partner was killed in a motorcycle accident whilst on holiday in france. the insurance company repatriated his body home but have now told me they wont pay any death benefit because the bike was over 125cc. they paid for him to come home "ex-gratia". But I was led to believe i was covered by the broker who obviously went and asked someone whether it be the insurance company or a collegue. Do I have a case? Whats my next move? who do i go to the insurace company or the broker? I would appreciate any info Thanks in advance Please accept my sympathy. Most brokers must take out E&O insurance (errors and ommission). If your attorney sues the broker the claim will most likely be paid by the brokers insurance. Its worth a shot. First of all, I'm sorry for your loss. That said, it all depends on whatever paperwork you had received with regard to your policy. As things stand, if you have a standing policy with an agent - one which has been carried forward from year to year - then its terms are what will determine whether this is covered or not. Take your policy information to a reputable attorney and let them peruse it for any loopholes or other exceptions which the insurance company may be exploiting, and if he cannot find any then press your case. Again, I am sorry for your loss. This is so sad, I'm so sorry for you. In my life experiences I have found you need everything important in writting. It's a shame that guy gave you the wrong info but in less a lawyer tells you different I think you are stuck. Sorry for your loss of a friend. Sorry to hear about it. Unfortunately, what's in writing will most likely prevail. It boils down to your word and the insurance broker; however, if there is any witness (perhaps an office worker or someone who may have overheard your conversation) you might have a chance. You'll definitely need an attorney, but I have the feeling you'll end up with very little if anything. Sorry for your loss. If you do not have any paperwork to verify this, you are probably out of luck. |
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