AIBU to continue with my holiday?

[Rozes64]

I booked, ages ago, to go on a weeks cruise with a friend, who this week has fallen and badly broken her wrist.

She has said she still wants to come, but the medics are advising against it as they need to operate, after which she'll have her arm in a sling as well as a cast, to stop her hand moving.

Unfortunately her travel insurer have said she's not covered , so she's asked if I'd agree to move our booking to another date. The booking is in my name, it had to be one or the other.

I'm just selling my house right now, and was looking forward to a break before the actual move takes place. I've also booked and paid for parking, plus a deposit to kennel my dogs.

Its really not the right time for me to change it, her insurer has very damning reviews on Trustpilot, but in all honesty I don't see a good reason for me to lose money to compensate for her dilemma. I am really full on right now hosting house viewings, having spent three weeks decluttering the house. So either she comes against medical advice, and runs the risk of becoming more unwell, or doesn't come and loses her money, or I change the date and lose monies already committed to parking etc?

I'd feel that you booked to do this together. can you ask her if she would pay you half of the kennel/parking? Then move the date.

Will her insurance cover the cost of the parking and kennels etc?

Find someone to take her place?

If I could afford a cheap, last minute break I'd book something so I could use the parking and kennels. Then I'd move the date of the holiday with my friend so we could go together.

Is that a possibility?

I'm moving across country, as I said, moving really isn't feasible for me.

I cannot imagine any last minute hols leaving from the port of Dover.

she Def shouldn’t go without insurance and it seems quite harsh to go without her. Can you speak to your insurance company or hers about the parking and kennelling?

they are not paying

So would you not be able to do another date in the future with her anyway?

My insurance would only cover claims relating to me not her, i might try to go with the suggestion of finding a replacement so they can reimburse her.

I would go anyway. Suggest you plan another holiday when she is better. She should not go without insurance

sadly, no. Its really kind of impossible

I mean, if you genuinely cannot move the holiday at all due to moving house / other factors, then yes I'd go.

She should have got better insurance - I'd chalk it up to experience and you should still go. It's unfortunate she's had an accident and can't go anymore, but if it's completely inconvenient and not possible to move it then you can still go.

If you can’t move it, you can’t.

I think she should go see the CAB or ombudsman (or whatever the regular is) about her insurer - that seems a pretty cut and dried claim

Presumably she can get her money back from the insurer?

Unfortunately her travel insurer have said she's not covered

Can I ask why not? I'd have thought a broken wrist is exactly the sort of unforeseeable thing that surely would be covered?

Oof tricky one OP. I think go without her and offer to find a replacement if you can. May be the end of the friendship though.

When you say she’s not covered do you mean she’s not insured if she travels against medical advice or she’s can’t her half of the cost back for the trip from
her insurer if you travel alone because she can’t?

If the insurers won't reimburse her what was the point of taking it out? On what grounds have they refused payment. It is often the case that if one person has an accident or is unable to go the insurers will only reimburse them but not the rest of the party in other words you. If they won't even cover her half it must be a really bad policy

This!

If medical advice is not to travel and it's an accident not a preexisting condition then they absolutely would cover it.

how long before you go ?
if the doctor has filled in the form advising against travel the insurer should have no problem
Has this been done ?

Looks like you will have to go alone/with someone else then.
I have to say that if I was the friend I would be extremely miserable about this situation so do try to soften the blow a bit with the promise of something else.

So if you don’t move the date she loses her money?
So you don’t think of her as a good friend then?

What reason is the insurer giving for not paying out. Breaking your arm just before the holiday and medical advice being not to travel should be a very straightforward claim. Are you sure you're friend is being honest about having insurance in place?

It’s not your fault. I think you should go. It’s unreasonable for her to hold it against you.