My parents were declined their claim for their holiday expenses under some bog standard insurance companies standard letter. The insurance company wouldn't have had to fork out a fortune, it was for a 3 day coach excursion to plymouth
I would be grateful if anyone out there with greater insurance/grammar understanding could review my letter and critcise (preferably constructively, obviously!!)
Thanks
I am writing to you on behalf of my dad, . Both of my parents have asked me to deal with this matter on their behalf as they already have enough stressful circumstances to deal with, as you may appreciate. I trust that you will find this acceptable.
Needless to say, both of my parents were deeply upset upon receiving your letter dated 21 October 2005 declining their insurance claim. Having read your letter along with the policy schedule supplied to my parents, both I and my parents disagree with your decision. I respond to your decisions point by point as below:
?It is a condition that at the time of taking out this policy you must comply with each of the following:
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You are not aware of any reason why the trip should be cancelled or cut short.
My parents were not aware of any reason the trip should be cancelled or cut short given that my dad was informed that he was clear of cancer in September 2004, as stated on the medical certificate (?MRI scan on 9.04 No residual tumour?). This scan took place on 16 September 2004, and my parents were subsequently informed of this on 21 September 2004. This policy was taken out on 2 April 2004.
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You are not receiving or awaiting treatment for an illness or injury as a hospital inpatient, as any claim arising from this injury or treatment will not be covered
My dad was not receiving or awaiting treatment for an illness or injury at the time that the policy was taken out. Confirmation of the policy being taken out was dated 2 April 2005.
Both myself and my parents are therefore baffled by your statement ?that you would have been aware that this condition could impact upon your ability to undertake or enjoy the holiday? as at the time of taking out the insurance my dad was clear of any cancer and therefore any ?condition? pertinent to undertaking or enjoying a holiday. (Furthermore, I take issue with your terminology ?enjoy?. I had not realised that any insurance policy would cover the ?non-enjoyment? of a holiday and I believe this is a somewhat inappropriate statement under any circumstance).
You also quote in your letter of 21 October 2005 ?We must be informed of any fact which is likely to influence us in the acceptance, assessment or continuance of this insurance. Failure to do so may invalidate this insurance, leaving you with no right to make a claim?. The conditions that must be complied with at the time of taking out the policy are listed below this statement, the two of which you have asserted as being the reasons behind the claim being refused have been dealt with previously in this response. Therefore I am unsure as to the relevance of your quoting this, as my dad complied with all of the statements listed at the time that the policy was issued. Please confirm your intention with this quote.
I trust you will now give my dads claim the merit it deserves and reconsider your decision, as I do not believe it was based on the facts as presented by the medical certificate provided and the terms and conditions of the policy cover provided by the insurers.
Look forward to your response within 10 working days of this letter etc etc
Yours faithfully,
Would really appreciate any feedback.