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The point of insurance is that it's a "if the worst happens" safety net. Now, this could be the best insurance in the world but if the company simply do not respond to any e-mails (despite them saying in their correspondence that they will) then... it's really a moot point.They are incredibly hard (seeing as I still haven't had a response then I am being kind) to contact in writing when you need to query or clarify something (so you HAVE it in writing). Good luck cancelling so you make sure that the direct debit doesn't come out. Very disappointing because good customer service isn't rocket science. It's just common sense.
Columbus direct given me a bad customer service experience, I called up to request for an original copy to be post it to me, unfortunately the customer service keep saying because I bought it from moneysupermarket.com, that's why they are unable to post the original copy to me, only customer who buy directly from their website can have the original post copy. OMG! what a big joke to me as I needed the original copy to apply for my Schengen Visa, this really makes me feel disappointed. In my point of view, all customers should be treated the same and fair, so for me, I have experienced such a bad service and I would definitely not going to buy travel insurance from this company in the future! Highly not recommended.
Travel Insurance web and Columbus are the same company but the problem lies with their claim management company Global Claims. My health issues arose during a USA trip. Global offered no support whatsoever. My bills totaled nearly £50000. The claim was refused despite, in my view and those of my doctors, being covered. The ombudsman was involved who found in my favour. They still refused to pay-sorry forgot they offered £250. Fortunately I could withstand carrying this enormous debt burden and with the outstanding help of the ombudsman got payment in full plus a further penalty payment plus 8% interest.MORAL : IF YOUR CLAIM IS VALID DON'T GIVE UPAND WHATEVER YOU DO ONLY JUDGE TRAVEL INSURANCE SITES ON REVIEWS OF PEOPLE WHO ACTUALLY HAVE MADE CLAIMS.
I purchased the cover when buying Trainline tickets. We missed the train because a major route was closed due to an accident. They refused the claim saying that the cause had to be 'breakdown of my car' or the accident had to involve myself. Nowhere in the policy schedule or summary does it state this. Arguing at the moment and sending the insurance ombudsman the details. Cheap but worthless cover so might as well not have bothered with it.
I've used Columbus Direct in the past for many years and generally been pretty happy with the price & cover. BUT! Tried to make a claim in Nov 2012 for our honeymoon and the service from Global Claims Service has been so bad it's put me off using Columbus for good. What should have been a "no-brainer" (flight cancelled and delay for 24 hours and damaged baggage in transit) have both been stalled for months just going round in circles looking for any excuse not to pay. Apparently the airline "haven't provided enough information about the delay" and our boarding passes, luggage tags and letter from the airline aren't enough proof for them that we were delayed! Charlatans - avoid if you think you might actually end up trying to make a claim with Columbus Direct & Global Claims Services.
Bad bad bad company.My wife and me have travelled in Argentina and Brasil. She had a medical problem but, once at home, any excuse is good to avoid the payment and reimburse the medical expenses. CrazyYes the price could be good, but pray you never have problems.Never again Columbus in my life
Is it me or do most of the positive reviews seem like marketing babble. Whilst a lot of the negative reviews talk of actual experiences, the positive ones go over available policies and wondorous site layouts. Looking for insurance but need to be convinced first that I am dealing with a reputable company that will deal with any unforseen claim effectively, responsibly and in my best interest. After reading many site reviews about this company, I'm not convinced with what I have read. Very dubious. When it comes to travel insurance I would rather pay a premium and go with a known reputable company.
On a family holiday of four to Barbados both my daughter and I got an ear infection and my daughter could not fly. I was not given a clear date to fly, but given no response from broker took initiative to keep hotel room and amend flights.
Having done so broker advises that wife and son won't be covered if they stay, although the rooms would still be needed because I don't plan to share a room with my 10 year old daughter. Hotel kindly gave us a free upgrade for another room and were wonderful as was the my travel agent back home.... the insurance company phoned me back 12 hours after the flights were rearranged!!
On return broker insists that because my wife and son stayed that they would halve the claim.
After 3 months of deliberation I might add and no communication until chased three times and still no breakdown of the actual amount paid.
Laughable - get yourself a proper insurance travel policy with someone that can actually help you and doesn't take the proverbial when you return home thousands poorer.
I booked a single trip travel policy for myself and my wife in September 2010 to travel in June 2011 and was in perfect helath. In February 2011 I was diagnosed with a tumor in my bladder and had the operation to remove it end February. No problems since but when I contacted Columbus to advise them, after a medical screening with a nurse they said they could not cover me. I decided the only option was to cancel and now have to search for someone that will. I could not believe that they can opt out even when you have bought the insurance so far ahead. What is the point. Read the small print as we looked for the best cover while you are away, but anything can happen before you go!!
I have a claim for a missed train. They don't have face to face claim handles as they put it. So no matter what the severity of your claim you will not be able to speak to the claims team.They are a paperless office but send everything out in the post to slow things down. Will report to either Fos or oft if I don't get paid out after reading these reviews and the ones written by there staff.There needs to be a investigation into the way policies are underwritten as there are at least 4 companies involved with each policy. I spoke to a fat Australian bird who was just talking out of her didgery doo doo. Pikeys.
I paid for single trip family cover and my wife and daughters all got very ill while away. We had to call the doctor out 3 times and pay for this and the medications.I kept all the receipts and contacted Columbus, their claims team sent me the necessary paperwork and i sent it all back with the receipts. They paid for everything and because i paid extra to waive the excess it only cost me nothing.
After dealing with Global Claims Services Ltd who make the settlements for this insurer for the last 5 months, yes that's 5 months, I have had my legitimate medical claim refused. Even if you provide them with everything - down to the last label for medication requested they will find some kind of loophole. Total charlatans, rude on the phone (even when I tried to maintain a polite conversation), I've never had the misfortune to deal with a company like them before and hope never to again. Parasites.
Was thinking of taking out insurance with Columbus Direct...THANK God I didnt, they sound like a nightmare. Company's these days just don't seem to realise that providing a good service and making money go hand in hand...I mean the people running this company are either extremely unintelligant or are just simply money hungry with no morals. PROVIDING GOOD CUSTOMER SERVICE + GOOD REVIEWS AND RECOMMENDATIONS = MAKE MORE MONEY WHILE BEING A RESPECTED COMPANY....its really not that hard.
Columbus Direct are the worst insurance company I have ever had to deal with. I tried to claim as an illness on holiday meant that my wife and I had to miss out on some pre booked trips. When I called columbus they said that missing out on fun is an exclusion and so any illness on holiday is not covered. I also tried to claim for a computer that was damaged whilst in my bagage. This does not come under any claims for bagage as there is also an exclusion for computers. The only thing we were actually allowed to claim for that we needed to claim for was the ipod that we lost however the maximum level per item was hopeless and I am so glad we did not lose anything too expensive. The top level value per item will not cover any jewellery, cameras, anything of any value that you may want to claim for basically. A total waste of money and we took the highest level of cover with them.
Four months and counting from my original claim date and still no payout, Global Claims Service are a nightmare - it took them 2 months from my original claim date to even ask for one additional piece of information they needed.Communication is pathetic, response is pathetic - avoid these at all cost.With holiday insurance so cheap, I would thoroughly recommend paying an extra £3-5 and going with a more reputable insurer - it will be worth it in the long run.