Travel Insurance and flight cancellation

[Happy Dude]

Does anyone have a travel insurance policy that covers expenses incurred as a result of delay/cancellation due to mechanical fault of an aircraft?

1cover.com.au specifically exclude claims arising from this, a lesson I learnt the hard way.

Muchos ta.

[serfty]

Travel Insurance - Save for your Holiday with Travel Insurance Direct will in respect of "Travel delay Expenses".

...

10.

Delays, rescheduling or cancellation of scheduled transport services caused by the carrier or related to the carrier’ including maintenance, repairs, rescheduling, service faults, industrial activity other than a strike, corporate takeover. This exclusion does not apply to Sections 2E, 2H ...

SECTION 2E: TRAVEL DELAY – NIL EXCES APPLIES

You only have this cover if you chose Plan A, B and C.

We will pay you up to Single $2000 and Family $4,000 (sub limit of $200 per 12 hour delay) for the cost of reasonable additional meals and accommodation if, for a reason outside your control, your scheduled transport from Australia or Overseas is delayed for at least 6 hours, for each subsequent 12 hours (or part of that time) of delay.

You must give us your receipts, and written confirmation of the delay from the carrier.

SECTION 2H: SPECIAL EVENTS – NIL EXCESS APPLIES

You only have this cover if you chose Plan A, B and C.

If your Trip is interrupted by any fortuitous cause outside of your control and you are unable to arrive at your destination by the time originally scheduled – for the purpose of attending a pre-arranged wedding, funeral, conference, or sporting event which cannot be delayed as a consequence of your late arrival – We will reimburse you for the reasonable additional cost of using alternative public transport to arrive at the destination on time.

[PPW]

The CitiBank Gold Cardholder's International Travel insurance provides:

7. Travel delay

If the departure of any scheduled transport in which you have arranged to travel is delayed for at least six (6) hours due to any unforseen cause outside your control we will reimburse your reasonable additional meal and accomodation costs...

In my view, this is sufficiently broad to cover mechanical delays (unless, you could somehow exercise control over said delays!)

Had a quick look at my Commonwealth Bank Gold/Platinum Insurance policy and think that it would also respond.

[Happy Dude]

Thanks Serfty/PPW. I have the citibank goldcard and it's insurance....now.

I was amazed that mech failure of an aircraft was excluded from a travel insurance policy (there's a good ad for reading the fineprint!). I suspect the folks at the airport who said I'd be fine because I had travel insurance would be equally amazed.

Anyhoo, 1cover.com.au are on "the list" and those expecting a decent travel insurance policy should look elsewhere.

[Evan]

You would think one of the main reasons for insurance except medical was exactly that, delays/cancellations due to airlines no longer flying route or mechanical failure etc etc. Amazing... oh well i guess thats life sometimes.

Assumption is the ........ i think you all know the rest
E

[NM]

You would think one of the main reasons for insurance except medical was exactly that, delays/cancellations due to airlines no longer flying route or mechanical failure etc etc. Amazing... oh well i guess thats life sometimes.

Assumption is the ........ i think you all know the rest
E

Or the cynics would suggest that the main purpose of travel insurance is to make money for the travel insurance companies . The reason people are willing to purchase travel insurance would be as you have indicated.

[clifford]

Wow, I'm amazed that this insurance policy (which one has to pay an excessive amount for no doubt) has such a get out clause. A very shonky provider IMHO.

Even my CBA and ANZ gold card travel insurance covers mechanicals. And, I've even had a successful claim for such a delay.

[jpk]

Some of the travel insurance companies pimped out in Europe are shonky - several get out clauses, and minimal payouts for delays/cancellations. The majority of people who would buy these packages would never bother to check the details.

[spunkarooney]

1cover Travel Insurance is underwritten by Allianz. Allianz is the largest Underwriter of Travel Insurance in Australia and the worlds third largest Insurance Company. You don't get a more reliable Underwriter in Australia.
http://www.1cover.com.au/aboutus.html

The same company involved with the Bernie Banton litigation. See "Bernie Banton" Allianz - Google Search

[oz_mark]

1cover Travel Insurance is underwritten by Allianz. Allianz is the largest Underwriter of Travel Insurance in Australia and the worlds third largest Insurance Company. You don't get a more reliable Underwriter in Australia.

Doesn't matter how reliable the underwriter is, if the policy makes the exclusion.