Lloyds travel insurance left us in a jam
Lloyds travel insurance left us in a jam
We were due to fly from Bristol on 28 August for a holiday booked using my Lloyds TSB credit card. We allowed plenty of time for the car journey to the airport but after about 30 minutes we got stuck in a 20-mile jam on the M5, which we found out was caused by a man threatening to jump off a bridge. We missed our flights, along with about 40 other passengers, and had to return home. I have free travel insurance with Lloyds TSB, provided as a benefit of my bank account, but my claim has been rejected. TD, Exeter
Your story serves as a warning to others who do not always read the small print. It appears to be industry practice that "missed departure" cover only applies to a failure of public transport or an accident or breakdown in the vehicle in which you are travelling. Major traffic jams are not covered, which I think renders the policy term missed departure somewhat misleading.
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The British Insurance Brokers' Association tells me there are some policies to cover your situation but I think this is an area for which the insurance industry needs to provide some consistency in definition.
Answering your letters this week is Steve Playle, Trading Standards officer and team leader at Surrey Trading Standards Service.
We welcome letters but regret we cannot answer individually. Email: capital.letters@guardian.co.uk. Please include a daytime phone number.
guardian.co.uk © Guardian News and Media 2009
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