The worst travel insurer in the world

For a holiday in Greece in July/August 2017 I obtained travel insurance with Tick Travel Insurance. This was the greatest mistake a traveller could make. During my holiday I lost my reading glasses by accidentally leaving them on a municipal bus in Naxos and dropped my Ipad on a tile floor in my hotel room in Chania, Crete, both relatively simple travel accidents, each covered by my travel insurance. Unfortunately Tick Travel Insurance had another view.

Upon returning home I completed and on 23 August 2017 posted (with all relevant original supporting documents and invoices as required by the insurer) to Tick Travel Insurance. That was the start of a relentless battle which did not conclude until 5 February 2018. Because each accident - claimable event – happened on different days the policy excess applied to each which is something travellers should be careful to check. My claim was eventually resolved and I was paid in full ( less the excess x 2 ) but this took 91 emails and resolution did not occur until 5 February 2018 when I was finally paid the amount claimed for my damaged Ipad. Tick even then resisted paying for weeks. My claims experience with Tick Travel Insurance can only be described as horrible. The whole process was designed to wear me down, to make me go away (unpaid), to treat my claim as illegitimate and non-genuine and to pay me nothing. It took 63 emails over months for my glasses claim to be paid and 28 further emails over more months for my Ipad claim to be paid. It was never suggested that my claims were not genuine but Tick Travel Insurance used every excuse in the book not to pay. These included - we’ve received your claim but lost/cant find your supporting documents (they in fact had the documents), where is the copy of the written bus company report (the municipal bus service had no such system as I advised Tick in the claim form ) and we want you to send us the damaged Ipad even though they had been advised by Apple that the device was irreparable and Apple kept it to destroy it.

On numerous occasions I had to request my claims be referred to a Manager, the Dispute Resolution Manager and if that didn’t work, to the Financial Services Ombudsman. The claims officer never told me he went further than his manager. Over the course of 91 emails the response by Tick Travel Insurance was obstructive, mean and clearly designed to wear me down and make me go away. My claims were eventually paid in full. I will never again use Tick Travel Insurance and nor should anyone else. Their resistance to my genuine claims was oppressive and mean-spirited. I would not wish my claims experience with Tick Travel Insurance on anyone. Their consideration of my claims went far beyond insurers normal skepticism and verged on oppressive opposition to what was never suggested was anything other than genuine claims. At the end of the day and from August 2017 until February 2018 they were reluctant to pay. Realistically, they only paid when threatened with further action should they continue their resistance.

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