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19 May 2012 |

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DVT, Ryanair and insurance rip-offs

Falling ill just before you fly can prove both difficult and expensive.

Kayte Platts Kayte Platts
Wednesday 20 October 2010

We all look forward to that trip away but what happens when issues of health prevent you from flying off to your destination?  As one of our readers recently discovered, making an insurance claim can be an expensive and rather inconvenient prospect.

application.jpgThe retired couple had to cancel their Ryanair flight to Spain this summer when one of them developed Deep Vein Thrombosis three days before they were due to go.

They attempted to claim the £340.00 cost of their fares from their insurance with the Royal Bank of Scotland.

The couple first had to pay £15 for a doctor’s letter and an incredible £34 for a Ryanair letter confirming they did not take outgoing and ingoing flights. Ryanair climed this because there were two separate bookings. They then had to pay the first £50.00 of the claim, bringing the total cost up to £149.00

This was a genuine claim and the couple found it tough being put through these ‘hoops’. This was on top of their very real heath worries.

A Royal Bank of Scotland insurance representative confimed to flights.co.uk that they were only following standard industry practice and did not pay for letters needed in support of the claim. They went on to say that they also do not cover credit card fees but do pay for other fees and charges including baggage and checkin fees.

How do Ryanair justify charging so much for a letter? They say that their fares are generally cheaper than most! Surely, even a budget airline can generate a computerised letter from their booking system for a lot less than £34?

Dominic Shepard
Dominic Shepard
27 October 2010, 02:14PM

How awful for this couple to have to go through all of this. It must have been frightening enough coping with DVT let alone all the stress incurred trying to claim back what is rightfully theirs.

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Matt
Matt, Bromley, Kent
16 November 2010, 02:12PM

The thought of anything similar happening makes you wonder if its worth flying aboud and especially having to fight back to get what is rightfully yours.

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KimLester
KimLester, United Kingdom
17 November 2010, 08:17AM

I really do hate this rip-off mentality. It starts with "we can save you 30% on your insurance". Well, if you take out 30% of the cover then that is not unsurprising.
I think people have become less educated as buyers.Looking for good deals is one thing but just buying the cheapest on offer does not equate to value for money.
Insurance is a minefield. If you want to be safe, you either need to read the policy yourself or get a broker to help you. If you do not do this, you can find yourself paying a nice low price but not getting the cover when you need it.

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Christine
Christine
17 February 2012, 11:54AM

I to have a terrible experience with trying to claim from my Ryanair insurance.
We had booked flights for October 18th 2011, my husband became seriousley ill in August 2011 abd I tried to cancel the flights but Ryanair do not allow this they told me to claim after the return flight. Unfortunately my husband passed away on October 9th, I had a claim form sent to me by the insurance company which had to be completed by my GP I also sent a copy of the death certificate.
The insurance company now want me to obtain a no show letter from Ryanair which I have to pay for. I do not understand why they cannot contact Ryanair directly to find out this information, it just seems that all they want is your money.
I am the process of deepest grief and all the stress that this is causing me is just too much, it is not about the money it's the principle.
Regards
Chris
I am feeling

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Kitty
Kitty
10 March 2012, 04:52PM

Never, never again a Ryanair travel-insurance!
Starting with that No-show letter from Ryanair (charged € 20) that is impossible to ask for by email: you have to send a letter! Then a 13-pages claimform only in English, of which 5 pages have to be filled out by your GP (who in my case is French and doesn't know English). Adding up the total time lost by their punishing burocracy (not to mention the nerves) and the final amount refunded, I decided that next time it will be another insurance AND another airline.

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