Q. Why has more than one excess been applied to my claim?
However, you should be confident that any decision we make is correct and so if you feel we have not explained this decision properly please contact us to let us know and we can provide some further explanation.
In the meantime, here are some of the reasons why multiple excesses may have been applied:
The cover listed in most policies (e.g. sums insured, policy limits and excesses) are applicable per person. Therefore, just as we would not look to limit two people’s claim to the value of one limit or sum insured, we cannot apply only one excess.
Your policy is a composite of various types of cover all rolled up and packaged as one product: your travel insurance policy. However, these sections tend to all cover distinctly different risks and so often insurers set excesses to apply individually to any claim under each section.
Each claim represents a separate insured event and all limits and excesses apply separately.