Rental car insurance excess – what is covered?
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Flights have been thrown into disarray as winter storms bear down over vast swathes of North America and Europe.
Thousands of travellers in the UK, Canada and the United States have been left stranded as severe weather has forced airlines to ground hundreds of flights in the busy lead up to Christmas.
Here is what you need to know if you plan on travelling to or are already in the impacted areas.
What if my flight is affected?
If you’re planning on travelling to Europe or North America you should check with your airline to see the status of your flight.
Can I change my flights?
Before you cancel flights and/or book new tickets it is important you speak to your airline, and check with them what arrangements they can make.
What does my TID policy cover?
Again it’s important to read the policy wording and the product disclosure statement to make sure you understand your entitlements and obligations.
Delay: Where your scheduled pre-paid transport is delayed, cancelled or rescheduled we will pay for: additional accommodation, meals and transfers after the first 6 hours of the delay; reimbursement of pre-paid accommodation, transfers, tours, events and attractions you miss out on because you can’t reach your destination on time. No excess applies but there’s a limit of $2000 for singles and $4000 for families.
Cancellation: Financial loss due to unforeseen cancellation of pre-paid travel and accommodation arrangements. Includes tuition/course fees not refunded as well as travel agency cancellation fees charged. There’s no limit to this cover.
For full information on what’s covered and what’s not covered you should check the PDS.
A word of warning
If you are stuck somewhere because of a cancellation or delay, don’t use it as an excuse to “upgrade” yourself and think TID will pick up the bill no matter what. So, don’t buy business class tickets because they were the only ones available, or check yourself into a six star hotel for the night (and empty the mini-bar). As a general rule you can’t “profit” from an insurance claim – we’ll try our best to make things “square” but it’s not an excuse to splurge at someone else’s expense.
Please contact TID Customer Service on 1300 843 843 or +61 2 8263 0483 or via our website at www.tid.com.au.
In the event of a claim covered by your policy, you must do everything you can to minimise and reduce the cost of the claim and provide all supporting documentation of the event and expenses incurred. To lodge a claim, complete the TID claim form available from TID Customer Service or the TID website at www.tid.com.au.
This article was written by Richard Laycock. Richard is an Insurance Expert from finder.com.au We also give you ...KEEP READING