I recently had a trip to Bali cancelled due to the eruption of a volcano. I had travel insurance and claimed for the cost of flights, and accommodation.
My policy included insurance against cancellation of flight due to natural disaster, and this was a large part of why I chose this policy. However, the insurer rejected my claim on the basis that Bali has a history of natural disaster, which was listed in an exclusion clause.
This is all fine, and I'm not really questioning the decision.
But I am curious about the legality of the policy. As far as I can see there is no way possible to claim against natural disaster under this policy. I have purchased insurance against natural disaster for a trip to a location with a history of natural disaster, therefor I can't make a claim for the reason of natural disaster.
It's like buying car insurance on the condition that I don't own a car.
Is it legal to sell travel insurance that can never be claimed against?
thanks
My policy included insurance against cancellation of flight due to natural disaster, and this was a large part of why I chose this policy. However, the insurer rejected my claim on the basis that Bali has a history of natural disaster, which was listed in an exclusion clause.
This is all fine, and I'm not really questioning the decision.
But I am curious about the legality of the policy. As far as I can see there is no way possible to claim against natural disaster under this policy. I have purchased insurance against natural disaster for a trip to a location with a history of natural disaster, therefor I can't make a claim for the reason of natural disaster.
It's like buying car insurance on the condition that I don't own a car.
Is it legal to sell travel insurance that can never be claimed against?
thanks