No refund
Last updated at 09:32 17 March 2004
Daniel Garrett, 69, had his claim turned down because he didn't disclose his full medical history.
He had a hip replacement ten years ago and had no problems with it until this year when he started to experience pain. After consulting his doctor, he cancelled a holiday to Borneo with his wife Dorothy, 59.
Kuoni, the tour operator, refunded 60 pc of the cost of the holiday and Daniel tried to claim for the remaining £360 through his travel insurance.
'When I tried to claim, it said that because my hip was a pre-existing condition that I had not declared, it was not covered,' says Daniel from South London. The warranty declaration only asks about treatments in the past 12 months.'
A spokesman for Zurich, which underwrites their Bradford & Bingley plan, says: 'Customers need to disclose any illness or treatment in adult life that might recur.'
Since being contacted by Money Mail, Zurich has agreed to pay Mr Garrett's claim.
However, with a retrospective loading on his premium for the hip replacement and the excess, he will receive a cheque for only £44.50.
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