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Mum's 'relief' as £60k raised to bring injured daughter home from Thailand after horrific accident

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13 hours ago, darksidedog said:

Happy to hear that she is recovering and OK to go home, but of course, if her shyster insurance company hadn't been such a bunch of dogs, the fundraiser would not have been necessary. People dive into pools all day long without drama, so to suggest her doing so was "reckless" is just mean. I hope other tourists take note and put these bandits out of business. I wouldn't insure my goldfish with them after this.

I have used them in the past, but if this is their attitude I will never use them again and will advise all my friends who travel not to use them either!

 

One may think that if she was in a vehicle hit by another and injured Insure n Go may just say she should not have been in the vehicle (shades of some past RTP excuses).

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4 minutes ago, HAKAPALITA said:

Funny clauses in the Insurance world. My Watch is only insured when im wearing it. Who would dream that one up. Yet my Wifes rings/gold  are covered by same company worn or not.

The lesson to be learned there is to read the small print, which you obviously did.

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5 minutes ago, digitalnobhead said:

 

There would be no lifetime payments as the cost would be shouldered by the NHS once back in the UK - you might possibly get a few weeks of physio privately via travel insurance but nothing much more.  Insure and Go if I remember correctly advertise everywhere - on the tube for example, seems an introducer for some offshore underwriter and assistance provider "MAPFRE ASISTENCIA". I think I remember seeing ads for single trip insurance from this outfit for under a fiver (about 6.5usd) - go figure, take of costs of ads either directly or via an agent (usually your travel agent) then you're left with a cost of big mac to cover you - 500baht probably would of went a long way to something underwritten by a decent UK insurer and assistance by something global like AXA etc. 

And now go check the clause for should you be dead or loss of an organ or incapacitated.

 

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1 minute ago, lvr181 said:

I have used them in the past, but if this is their attitude I will never use them again and will advise all my friends who travel not to use them either!

Good luck with finding an alternative insurance company at the same price who offer cover for diving in shallow pools.

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13 hours ago, darksidedog said:

Happy to hear that she is recovering and OK to go home, but of course, if her shyster insurance company hadn't been such a bunch of dogs, the fundraiser would not have been necessary. People dive into pools all day long without drama, so to suggest her doing so was "reckless" is just mean. I hope other tourists take note and put these bandits out of business. I wouldn't insure my goldfish with them after this.

I hate insurance,,, But, should the young lady  had a look and see how deep the pool was before jumping/diving in the pool. That will be the argument of the insurance. and right so.

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5 minutes ago, SheungWan said:

Good luck with finding an alternative insurance company at the same price who offer cover for diving in shallow pools.

Insurance is not about price but about the cover it gives you, for the price. But more important is that the insured needs to understand/check what the policy DOES NOT COVER.

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7 hours ago, Canuckabroad said:

 

I don’t think the insurance company knew about the sign. She was injured and transported to two hospitals for surgery within about 48 hours.  I’ve had emergency surgery too while traveling and the insurer has a very short window to say whether or not they’ll cover you.  For small amounts, maybe they’ll tell you to pay it and file a claim later, but in this case it would be her friends and family making desperate phone calls to a toll free number while the hospital’s rep is standing there.  Someone at the insurance company saw the following: diving into a pool, no lifeguard, and maybe also the time that it happened.  Based on that they used their reckless behaviour clause to deny her.

 

A no diving sign and other fine evidence would come up if they were trying to sue her to recover the costs over an incorrect claim.  And in my opinion, that’s what makes it all worse, because even a crap insurance company should have paid the relatively small amount to save her life and then try to recover it.  A 60k bill isn’t really that high.  It’s not like this accident happened in the US or Japan where it could be a 50 times that.

 

The UK Ombudsman will get to the bottom of it; and release their findings with details of any actions on the company.

 

This company are looking bad whatever happens. No one in their right mind would consider insuring with them based on this case which will likely get more media coverage once he Ombudsman's investigation is made public.

 

But, IME, Insurance companies are often <deleted> when it comes to service or avoiding payment. On-line and call centers have made this easier for them to frustrate people rather than increases their value for money propositions. And that is a conscious decision of their managements.

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Once again, it seems the insurer has CCTV footage of the incident on which they have based their decision -- video I suspect that no one on here has seen or been advised of the details therein.

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13 hours ago, darksidedog said:

Happy to hear that she is recovering and OK to go home, but of course, if her shyster insurance company hadn't been such a bunch of dogs, the fundraiser would not have been necessary. People dive into pools all day long without drama, so to suggest her doing so was "reckless" is just mean. I hope other tourists take note and put these bandits out of business. I wouldn't insure my goldfish with them after this.

I think your just comments should appear in the English press. ..or at least the full story of her accident.

Then maybe people will take notice and boycott this mean insurance company. I hope her parents take them on and expose them back in the UK.

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29 minutes ago, JLCrab said:

The linked Leicestershire Live article quotes the insurer as saying that they have CCTV video of the incident.

In that case not much else could be said 

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Glad everything worked out for her 

people who go on holiday must ensure they have a good insurance policy cover including reading the small print

The Go Fund Me is a great help in emergency situations 

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19 minutes ago, SheungWan said:

Good luck with finding an alternative insurance company at the same price who offer cover for diving in shallow pools.

My friend has annual, multi trip, travel insurance with his bank HSBC.

When he broke his back snow skiing in Spain they took care of all local hospital bills and flew him back to Hong Kong Business class. No quibbling. ..and no "this is a dangerous activity".

Insure with a GOOD reputable company!

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All those who contributed should write to their government about the legitimacy of her insurance company, Insure and Go, according to other articles that can be found on the Internet.  It's unfortunate that most insurance companies will seek ways to deny claims.  By law, insurance companies shouldn't be allowed to weasel their way out of paying claims.  I hope a pro-bono lawyer takes her case and sues her insurance company.

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13 hours ago, Kadilo said:

Great news.

Unfortunately the Insurance Company will carry on merrily to scam another day. 

The company she used in the UK was "Insure and Go" based in Southend-on-Sea. (ref" The Sun"). Please think wisely before considering this company for your travel insurance.

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