Travel Insurance

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

Tears_before_bedtime 6 months ago

You are doing exactly the right thing by asking for clarity on the question. The Financial Ombudsman says insurers questions should be clear and specific, but also that customers should take reasonable care in answering.

If I were to guess at the meaning I'd say they probably mean independent of Activities of Daily Living. This term is used by the NHS and includes washing, dressing, self feeding, toileting and mobility. However, this is only a guess so don't take my word for it. Wait for clarification.

www.financial-ombudsman.org.uk/.../misrepresentation-non-disclosure
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Tears_before_bedtime 6 months ago

You are doing exactly the right thing by asking for clarity on the question. The Financial Ombudsman says insurers questions should be clear and specific, but also that customers should take reasonable care in answering.

If I were to guess at the meaning I'd say they probably mean independent of Activities of Daily Living. This term is used by the NHS and includes washing, dressing, self feeding, toileting and mobility. However, this is only a guess so don't take my word for it. Wait for clarification.

www.financial-ombudsman.org.uk/.../misrepresentation-non-disclosure
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