Sick of go fund me for idiots who don’t take insurance with them

[Gofundinsurance]

Last week or so.

1.man decides to dive head first into a low pool. Immediately paralysed. He’s paralysed , no insurance so go fund me obvs

1. boy has insurance, insurance said no motorbikes, went on a motor bike, insurance withdrew. Go find me

man dives into pool , shallow end no insurance see above

man goes out gets wankered and gets in a fight, one punch hit and he’s in icu bit no insurance so he’s stuck there

How hard is it to book insurance when you book the holiday to open a second tab and order the insurance?

Just go to Google and type ‘gofud no insurance’ there are thousands.

I just don’t get it I have stage 4 cancer and I get insured by ‘insure with ‘

Yes I am not sure if it covers you for the jet skis that seem to be available on every beach.

That's what the ombudsman is for, CarlaH; any number of decisions have been overturned when the insurers have gone too far in trying to weasel out of paying, and not just for holiday insurance

Admittedly that doesn't help with the stress at the time if they refuse to cough up, but it can also help to go with the best rated companies who have a better track record than some, and not to assume that "travel insurance" packaged with your bank account will be of the least use for anything but the most straightforward cases

What about it?

Negates the comment about spending thousands on a holiday and £50 on insurance rather

The most popular one I can think of was the woman who destroyed her hotel room after celebrating her boyfriend’s new teeth.

Don't know your exact situation (and obviously would not ask!) but I do know of several people with serious health conditions who couldn't get insurance at any sort of reasonable price. Yet they felt they wanted a holiday after what they'd been through, and wanted to take the risk-and they were fine. If it had gone the other way, and they'd needed help, I'd have been willing to contribute because it's not their fault they were ill in the first place.
And travel insurance costs extra for a disabled child in our family, even though his condition is one that would NEVER actually mean an insurance company would be expected to pay more. Too outing, but the point is if his condition worsened, it would not be life threatening and he would come back to the UK before treatment was given. So I can see why some people feel it's a swindle.

I am sick of gofundme full stop.

YANBU, but just don’t donate.

if you’re dumbass enough to find yourself in this position what choice do you have (unless you’re insanely wealthy) except to try some viral fundraising?

There are lots of companies that provide insurance specifically for families in this situation. They are expensive but not ludicrous. They even offer packages for people nearing the end of life.

😮

Totally agree the other one that aggravates me is go fund me for pets when they chose not to insure said pet! My brother got a puppy no insurance and then it broke its leg 7k op, they set up a go fund me! I was horrified. I’ve also seen one for a well of horsey family to buy the child a new pony and a set of jumps, stables ect as they could “only” afford to buy the land.

I remember that 1 😂
Who knew Turkey teeth could be so over-stimulating 😁

The ones from abroad are often things ordinary insurance wouldn't cover like risky sports, riding motorbikes are getting drunk and falling from a balcony.

The policies I've got always have bolt-on options to cover sports and other activities. Though not getting drunk and falling from a balcony, obviously.

Yes, I've added sailing and cycling in the past and ensured that insurer and I had a common understanding of where hillwalking becomes climbing - usually where ropes are involved.

How does it affect you, OP?

I never understand these threads. Whether other people get travel insurance has no impact on me whatsoever.

And if it were made easier to get, maybe more people would get it - eg being able to carve out your medical conditions but eg be covered if your case gets stolen or you get run over by a tram.

All hail the Queen of Mumsnet igelkott2026 who will now graciously bestow un to us what topics we may start threads on Mumsnet about..

the floor is all yours @igelkott2026

What, threads where someone holds an opinion about something? Do we have to be directly impacted to pass comment?

If a husband hits his wife, it has zero impact on me whatsoever. But I can still hold a negative opinion of him and his actions, and comment to that effect.

The I'm afraid was me just trying to phrase my point of view politely.

Most of the charities I support are either animal charities or children's charities which probably wouldn't need to exist if it weren't for human cruelty or stupidity. Or else charities to do with physical challenges such as blindness which, quite frankly, shouldn't need to be supported by charitable donation because they should have enough support from the state.

I have heard that the ombudsman can help which is something but they really shouldn't be allowed to reject claims on such spurious grounds. All they need to say is that if you claim for something which later turns out to be pre-existing they won't be paying out. It might catch the odd person out but there must be so many people who honestly wouldn't even think to mention that they saw the GP a while back for something which came to nothing in the end.

I am ancient and remember well that when I was younger you often just got told to go away and come back if your problem doesn't clear up. There's a real probability that I would then just forget about it.

Still that's no excuse for travelling without insurance.

Yeah I was quoted stupid amounts for having HAD cervical cancer. I had no evidence of disease at a check up the week before I was due to go away so what they were suddenly thinking was going to happen that would need emergency treatment I dont know

And wasn't helped as was still having to declare the appendicitis id had before that , which seeing as it had been removed was less likely to cause issues than someone who actually had an appendix. So why was my policy hiked due to it?

Thanks and sorry for the delay in replying. You should disclose any material change in your medical history. I would exercise some common sense here. For example, if I had suffered a heavy cold and visited the Doctor to get some treatment I might not disclose. However, if there is any doubt please make a disclosure. I would certainly disclose being prescribed sleeping tablets or any other medication. It may not have an impact on premium and if it does it should be relatively small. Insurers use a system- Helix to assess the risk of medical conditions. It turns each condition into a score.

At the point of claim if we become aware that a customer has not disclosed a condition then we will look at the impact on the Helix score. If the change is material then we may look to not pay the claim or we will pro-rata any amount paid. So if the premium would have increased by 30% if a condition had been disclosed, we will only pay 70% of the claim.

I agree with you on all points, CarlaH, especially where they decline to pay on ridiculous grounds. That said I'm convinced they expect to pay in the end in such cases, but that they try it on in the hope claimants give up

In fairness they do say if they won't cover pre-existing conditions, but there's a big difference between a forgotten cold and the sort of thing some uninsured travel with, and it's the former where the ombudsman comes in

I'd agree 99% but in 2004, I had a slipped disc, working in Norway. I was medevacked to hospital by helicopter and immediately after my first exam, they asked for my insurance details. It was with the AA.

I was in hospital for 10 days, it turns out that there was only a small amount for them to pay, because we had a reciprocal health care agreement with Norway.

A few days after I got home, a cheque for over £900 arrived, so I rang to query it. They asked if I had any expenses and I complained about my massive mobile bill, which they paid in full.

I used them for a few more years, no claims and then they gave me a ridiculous quote, so I went elsewhere.

To make such a rejection an insurer would need to be sure that the customer would not have reasonably failed to recall a visit to a Doctor that could change the outcome for cover. Most disclosure fro experience comes from customers who believe that the insurer will not or cannot check. A good insurer does not pay a legitimate claim. In recent times as examples I have seen a claim rejected where chronic alcoholism has not been declared and where a customer was suffering from a range of Parkinsons related symptoms where a customer was being treated by a consultant. In both of these cases we concluded the customer was clearly aware that they should have disclosed these conditions and did not.