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Travel Insurance

Brandy5cat

Hi everyone,

I have noticed a new question that I have not been asked before when applying for travel insurance.  This time they are asking is my adult daughter 'Fully Independent'.  Computer says yes or no.  I find that a bit ambiguous and have asked them to explain their version of 'Fully Independent'.  Unsurprisingly they cannot supply an  answer and have directed me to Zurich Insurance who are the underwriters.  I am currently waiting for a response from them.. In the meantime any advice would be welcome.  I do not want to find I have said yes when it should be no, or vice versa.

Thanks

Parents
  • Brandy5cat said:
    This time they are asking is my adult daughter 'Fully Independent'.  Computer says yes or no

    It does seem to be a binary question - are there situations you can realistically anticipate where your daughter could not function on her own.

    The would exclude factors that affect "normal" people such as language barriers.

    If your daughter has a history of meltdowns in unfamiliar situations then clearly she is not able to be fully independent.

    Are there any situations when she would end up puting her self into harms way or where she would be willing to follow strangers, accept drinks from them etc.

    This seems to be what they are getting at - is she capable of functioning as an adult in all situations and remain in control of herself.

Reply
  • Brandy5cat said:
    This time they are asking is my adult daughter 'Fully Independent'.  Computer says yes or no

    It does seem to be a binary question - are there situations you can realistically anticipate where your daughter could not function on her own.

    The would exclude factors that affect "normal" people such as language barriers.

    If your daughter has a history of meltdowns in unfamiliar situations then clearly she is not able to be fully independent.

    Are there any situations when she would end up puting her self into harms way or where she would be willing to follow strangers, accept drinks from them etc.

    This seems to be what they are getting at - is she capable of functioning as an adult in all situations and remain in control of herself.

Children
  • in reply to Iain

    Thank you all for your replies.  My worry is that the question is open to interpretation.  My interpretation might not match theirs!  For instance, someone at university might be classed as 'fully independent' but they may require classroom support.

    I'm being cynical I know but is this just another way to avoid paying?  I have spoken to someone at Zurich Insurance and I will update you all when I get a reply.