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Holiday from Hell? Should have included Travel Dispute (Professional Fees) Cover...

15/07/2014

Travel Insurance can help if you have a holiday from hell!

If recent stories and TV programmes have left you in fear, we recommend that you add Travel Dispute (Professional Fees) Cover to your travel insurance. Experiencing a holiday from hell can be devastating – it’s much more than just a waste of our hard earned cash, it’s a waste of our hard earned leisure time and it can ruin your dream of spending a few precious days relaxing with your loved ones.

Not every holiday goes to plan but the weather cannot be helped...Not every holiday goes to plan
Photo: Credit

When we book a holiday we place a lot of trust in the tour operator or other holiday supplier that they will deliver what they've promised. But what do you do when things don’t go as expected? We've all seen pictures of hotels that turn out to be building sites offering swimming pools with no water, but what can we do if it happens on our holiday? Adding Travel Dispute (Professional Fees) Cover to your travel insurance can help if you don’t manage to get a satisfactory resolution from your holiday supplier.

How to resolve a complaint with your holiday supplier

It’s worth noting that the fact you didn't enjoy your holiday is not enough for you to have a claim. There may be many reasons for this, e.g. bad weather or simply a wrong choice of holiday for you, and things beyond the tour operator’s control. The complaint must relate to something that was under the holiday supplier’s control, such as the standard and safety of accommodation or facilities, where it can be shown that they have broken their contract with you.

While you are on holiday:

  • Raise your complaint as soon as possible with the holiday supplier. Explain the problem clearly and calmly and give them the opportunity to put things right.
  • Complete a complaint form in resort, or get some form of written evidence of your complaint from your holiday supplier.
  • Take photographs or video evidence of problems in case you need evidence later.
  • Get names and addresses of other holiday makers who could act as independent witnesses.

When you return home:

If your complaint was not resolved to your satisfaction whilst you were away you should take the following action:

  • If you have bought Travel Dispute (Professional Fees) Cover, notify your insurer of a potential claim within 30 days of returning from your holiday
  • Contact your holiday supplier and follow their complaints procedure
  • You can ask for compensation for loss of value, out of pocket expenses and loss of enjoyment
  • Keep copies of all correspondence

If your holiday supplier does not respond to your satisfaction you can consider independent arbitration or taking legal action.

How does adding Travel Dispute (Professional Fees) Cover to your travel insurance help?

Many people don’t pursue legal action because they don’t know how to go about it or they are worried about the cost - if you take out this cover you won’t have that worry.

Buying Travel Dispute (Professional Fees) Cover makes things easier because you don’t have to worry about finding your own lawyer - if we believe your claim has a reasonable prospect of being successful our legal experts will appoint a specialist to act on your behalf and cover the cost, up to the amount specified in the policy.*

You must notify our legal specialists within 30 days of returning from a holiday where you have had a dispute and there may be a potential claim. This is likely to be before you have completed the complaints procedure for the relevant supplier.

If you receive an unsatisfactory response from your holiday supplier our legal experts will assess whether you have a case for legal action. If you have a legal case, our specialists will take over the claim and appoint a specialist to act on your behalf.

Our travel disputes cover includes the appointment of an appropriate legal professional to act on your behalf, however you can also choose your own solicitor, provided they are approved by our legal experts.

*We may limit the Professional Fees we will pay where we consider it unlikely that a reasonable settlement for your claim will be obtained. Please read the policy wording for full terms and conditions.

Travel Dispute (Professional Fees) provides the following cover and benefits

  • Legal costs up to £25,000

It covers the pursuit of compensation from the following holiday suppliers if they fail to fulfil their contract with you:

  • Tour operator
  • Holiday company
  • Travel agent
  • Car hire company
  • Airline, ferry, train, cruise liner
  • Hotelier or property owner

Advisor’s Tip

Not all policies include this valuable cover. When buying your travel insurance ask if Travel Dispute Cover is included, if it’s not then ask to have it added. If it cannot be added then walk away and deal with a firm like Travel Insured, where we are always willing to assist.

This product is provided to Travel Insured by goodtogoinsurance.com who are appointed representatives of Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.471641 By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by goodtogoinsurance.com where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..


If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail

click here to obtain an online quote

This product is provided to Travel Insured by Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority - no.471641. By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by Ancile Insurance Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

This product is provided to Travel Insured by Ace European Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.202803. By clicking the box at the foot of this page, you will be taken to our dedicated business travel insurance site provided by Ace European Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of a business which wishes to insure business trips away from the UK for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact
us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

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Travel Insured is a trading style of Manor Insurance Services Ltd, registered office 93/97 Bohemia Road, St Leonards-on-Sea TN37 6RJ Company registration number 4824667.
Authorised and regulated by the Financial Conduct Authority 303639

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