Insuremore Avis 34

Do not use this company!
Took insurance out before COVID for Holiday booked in April which was cancelled! I contacted them and they were quick with sending me a claim form which I sent back recorded so I know they received it as I checked my tracking!
I did not hear anything for weeks so I tried calling it was a answer phone so I left my contact number as requested! NEVER HEARD back from them, so I sent a few emails and just had a automated email back every time so basically you can’t get hold of them. I went for the most expensive insurance and what a complete waste of time, so I will never be using this company ever again!

I bought travel insurance for myself and a group of 9 for worldwide travel. However due to the pandemic our flights to India were cancelled. Firstly when I called the call centre the person I spoke to was very unhelpful and dismissive of any question I had. I then went on to email to check if I would be able to claim on insurance as otherwise I would like to cancel my policy. I did not hear back for 4 weeks at which point I just had a blanket no and was told to go to the airline. I understand that the company is probably busy and delayed responses, however due to their 4 week delay if i try to cancel the policy now I have lost out on a further 4 weeks that I could have had reimbursed, as the cancellation refunds are pro-rata. I have tried to call the company and can not get through or am on hold for lengthy periods of time. Totally unhelpful!

Insuremore's 26-page 'Travel Insurance Policy Wording' contains two important words in the 'Exclusions' section. These are: 'Government Regulations'. This effectively renders the travel insurance policy not fit for purpose for anyone hoping to claim for financial losses incurred through holiday cancellation because of Covid-19.
This is extremely disappointing as I have bought travel insurance policies from this company for the past ten years. I will not do so again.
Communication with customers is also extremely poor:
#the claims form gives an address from which there is no response;
#there is a phone number to a recorded message explaining that the customer helpline has been discontinued because of the Covid-19 situation;
#the policy wording directs that complaints should be addressed to the Managing Director but he or she does not reply;
#Email has to be sent more than once before it is answered.
This entire process took almost five months. I would advise anyone planning to buy an insurance policy from this company not to do so.

When I received my annual travel insurance reminder I had to clarify a few matters with them with respect to medical clearance and the new Covid-19 exemptions. This involved several e-mails. Each time they replied in very reasonable time and answered the questions to the point. In my past experiences with many insurance firms, you'll be lucky not to have to wait ages on the phone, and then be transferred from one person to another. I was really pleasantly surprised. They couldn't be more helpful. The only slight negative was that it was simply signed 'Insuremore' and you weren't sure who replied. Nevertheless, it appeared that whomever replied did read through the previous correspondence. Their premiums are very reasonable. Sadly, most of the travel insurance at the moment do not cover any cancellations due to any epidemics. It is understandable from the insurers' point of view but extremely difficult for travellers. However, as far as customer service in Insuremore is concerned, they have been outstanding in dealing with my queries. Well done. Dr. Tan"

Purchased insurance well before Covid was known to travel in April via blue light card as an emergency services worker. Holiday was cancelled. Flights refunded via easyJet however the accommodation needed claiming - Insuremore refused to pay out. Absolutely disgusting service. Their website makes it seem like claims prior to March 2020 will be paid. Please everyone avoid this insurance.

Ombudsmen are next for me.

Absolute scam. Gave me false information over the phone to sell me the insurance. I also had to chase them up for almost two months to get a response on my claim and there was no one to talk to.
Waste of money. I have been buying travel insurance for many years and this is the worst company I have used by far.

Avoid this company at all costs, Booked a holiday in 2019 for 2020, taken out their Holiday Insurance, but due to corona virus the holiday was cancelled, refunded my holiday money, i went to get a refund from these crooks and they said NO, totally refused my refund request, went and seek legal advice and was told YES due to corona virus they are entitled to refund my Premium, but still refuse my refund, To everyone out there, DO NOT USE THESE CROOKS

Purchased the highest level of travel cover through BLC as an emergency services worker in January 2020. Booked to go Spain 22/03 and stay in a private villa but was cancelled due to COVID-19. Flights were quickly refunded by easyJet but submitted a claim to insurers as the villa and Bristol airport parking refused to refund. Have just received a letter from insurers saying they will not cover any of the losses. Absolute waste of money, why purchase insurance at all??

Edit 1: My policy number is JIM19A-2920411

I will be submitting a complaint. The FAQs on Insuremore website state that travel insurance is invalid if you travel against FCO advice. Ergo say it’s invalid if you don’t travel also as they do not cover FCO advice.
Insuremore state that cancellation is covered and for a claim to be submitted for losses. Ergo say you can submit the claim but that doesn’t mean they have to approve it.

When is this insurance valid?!? Clearly Ergo and Insuremore do not communicate with each other, they don’t care what either is selling or providing. They don’t care about falsely selling useless insurance to emergency services workers to just refuse every claim. Disgusting.

Edit 2: emailed customer service like advised in other replies, still no contact!!!! Terrible service it’s July and I’ve been waiting since March!!!!! Do not buy their insurance they cannot be trusted!!!

Insuremore is competitive in pricing and offer HM forces a 10-20% discount also. Inviting. BUT DON'T BE FOOLE. On a cruise our ship was late getting back and therefore my family and I missed our connection transport to the airport. The Taxi cost £150. We made the flight but I was out the taxi fare. 1st response, I was told as the ship started and finshed in the UK iam not entilted to claiming... I live in Northern Ireland, so if i missed the bus and flight the cost is up to me!! Beware IOM, Guernsey, Jersey, IOW customers. I kept the receipt and emailed for a claim when i got home. Make sure you sign the policy when they ask you for it!! It has taken them from July 24th 2019 until today 13th Sept 2019 to state that the excess is £50...PER PERSON NOT Per POLICY. Therefore the cliam is negative £50 *(family of 4). Be wary of the Ts&Cs as this is the first time i have used Insuremore and the first time i have ever been told that the excess is per person not per policy. So if you are more than a family of 4 this insurance company may not be the best option.

working for nhs this company offers discount. So I thought I would ask for a quote, called the line and the man who answered was very cold and short with answers. Said to look online as he didn't want to go through all the various options. There are 3!! So I looked online and yes there is a small discount. But as there are a couple of medical things I needed to let them know about and you need an endorsement number to carry online. Called again, this time a lady answered. Call was a very bad line, so she called me back. Better customer service but very keen to get off the phone and not deal with all the queries without repeatedly asking and prompting. Looking at the reviews I will stay with the current company as overrall without an nhs discount works out cheaper and covers much more including cameras, phones, etc. Would be good to know if anyone from the company reads the reviews.

Gave 2 stars as the premium was very competitive. All down hill after that I’m afraid!
Could not agree more about check, check, check the wording on the policy.
I lost a neck chain and cross from the airport security tray. Not particularly expensive I may add! Excess hardly made it worthwhile.
Did not notice them missing til on my flight home. Deemed ‘left unattended ‘
Claim denied!
Trying to make the claim was enough to almost give up. Talk about jumping through hoops!
Anyhow, needless to say I won’t be darkening their door again.

I can't give it any less stars.Check,Check & double check the wording including exclusions- Far far too many. What are you actually paying for?You get sent to a claims company(anyone of 5 different departments!) who don't want to know- shoddy service.
Theft cover DOES NOT cover mobile phones!!!!!!!
I got told this after going through all the procedures & 2 months down the line!
Not worth the money look elsewhere!

Great family price as kids covered free, plus we took their deluxe policy which included FREE car hire excess insurance - meant we didn't have to pay extra to the rental company - really pleased, would definitely use this company again.

Recommended by a family friend who have been using Insuremore travel insurance for more than 10 years . I checked out their price for Family with 4 kids on Annual policy ..... wow it is competitive and also include car hire excess waiver ! rock n roll !!!