Reply To: Platinum insurance terms

[JDB]

Gavin454 wrote:

JDB wrote:

There is the very strange header above the list that has been mentioned here before and says:-

“This policy covers You when You are engaging in the following sports and activities on a non-competitive and non-professional basis provided Your participation is not the sole or main reason for Your Trip”

If you go on a skiing holiday, the main reason is likely to be skiing, so no idea how this works in practice unless your main reason was to enjoy the mountain scenery, travel on ski lifts and the après ski.

The ‘sole’ and ‘main’ bit isn’t repeated in the winter section, but odd they don’t clarify the point since the header appears that it might cover the whole page.

This is strange and concerning…! Quite a lot of my holidays are trips with a certain activity as the main purpose – apart from the mentioned skiing holidays, I sometimes go on hiking trips, cycling trips, diving holidays etc.

Yes, it is strange and something @jj has mentioned as someone who likes activity holidays. In fact the whole policy is quite strange in what it does and doesn’t cover and has quite a few gaps/low limits, notably for ‘travel inconvenience’ as well as a very restrictive list of covered medical exemptions (otherwise medical is OK, save limits lower than equivalent policies) and low limits for lost/damaged personal effects. Axa is also a very poor claims handler and seems unable to answer basic questions. Personally, I wouldn’t use it as my sole policy.

The policy document also needs to be rewritten as it lacks clarity in so many areas. People regularly ask about what card you need to use, but even if someone reads the whole policy it simply isn’t clear, when it easily could be.