Discussion in 'Finance, Property, Law' started by Navy1, Nov 6, 2007.

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  1. Ladies & Gentlemen,

    I have just had occasion to try and claim against my forces travel policy issued by Trinity Insurance of Chichester. They use an underwriter called Millstream, from Hadeligh in Essex. I understand that they are new underwriters.

    If you are thinking of using them please note that:

    > It took 4 phone calls to get a claim form sent through.
    > Millstraem does not return phone calls
    > Employ people who have no idea about the needs of the military or the unique demands placed upon us.
    > Demanded a letter from a senior officer to say i had made the flight desite numerous other supporting information.

    Crucially for any flight (RAF, Commercial, Helo etc etc) they require a BOARDING CARD as proof of flight before they will pay. So next time you jump on a Seaking in Basra or Helamand make sure you ask the aircrew man for the baording card in case you need to make a clain on yoru insurance policy....

    ... or oyu could just ensure with someone else! :(
  2. Having the same problems myself at the moment with these chimps (people?), but claiming for hospital time and injury. Won't answer the phone, promise to call or email but don't. Wasters!
  3. ViroBono

    ViroBono LE Moderator

    From the Trinity Insurance website:


    It seems to me that if they are making claims like these then they actually need to live up to them, and it is not unreasonable to expect them to understand the basics of military travel.

    Curiously, for a company claiming to "remove all restrictions which are often applied to policies that do not suit our designated clientele", their policy excludes all the following:

    air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft) - in other words, no cover if you are on a military aircraft

    any consequence whether direct or indirect of war, invasion, act of foreign enemy, discharge, explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical,
    biological radio active or similar agents by any party at any time for any reason, hostilities (whether war be declared or not), terrorist activity, civil war, rebellion, revolution, insurrection, blockade, military or usurped power. This does not apply to claims made under Section 1, Cancellation,
    where the insured has been placed on unforeseen and unavoidable duty in the event of an emergency.

    I'm sure whe've seen this before, maybe with a different insurer. What it means is that they don't provide cover for anything connected with ops, except the cancellation.

    whilst on military duty - just in case the conditions above didn't exclude your claim, this one will.

    Having read through the policy wording (dull...) the reality appears to be that they are offering a bog standard travel insurance policy (many insurers now include the 'exigencies of HM Forces' in their cancellation section), dressed up as something specially designed for the military.

    Not sure you'll get anywhere with claims for mil flights, but you may get somewhere with a misselling complaint.

    Oh yes, and Trinity's website is not compliant with company law, which, from Jan 07, requires all limited companies to provide their company registration number, place of registration and registered office address on websites. Clarity of information, anyone?
    • Informative Informative x 1
  4. I have been in contact with Trinity again.

    Their representative, Nick, told me that they were only doing exaclty what every other insurance company does. They were, in his words, no different.

    So much for specialist service.

    I also told him that I would publicise their service on this website. He told me 'Please do - all our customers are happy'

    So, any other customers of Trinity Insurance want to comment; I will then print off this website and post to their Directors.

    It seems these people dont care abou individual issues and complaints; onyl collective pressure will work. Please let me know what you think and your experiences. Thanks
  5. ....and if you wish to congratulate them on their service you can do so as follows:

    Our Details

    T: +44 (0) 1243 817777
    F: +44 (0) 1243 817778
    E: []
    Opening hours: Mon-Fri 9-5:30

    Customer Services
    T: +44 (0) 1243 817777
    F: +44 (0) 1243 817778
    E: []
    Opening hours: Mon-Fri 9-5:30

    For emergency use only, whilst travelling:
    24hr Emergency Assistance Service
    T: +44 (0) 870 443 1036
    F: +44 (0) 870 433 1034

    Claims Service
    Travel - Tel: +44 (0) 870 443 1037
    Travel - Fax: +44 (0) 870 443 1032
    Kit & Home - Tel: +44 (0) 870 443 1038
    Personal Accident - Tel: +44 (0) 1243 817777
    Opening hours: Mon-Fri 9-5.30
  6. Well just had my claim rejected under the very clause VB highlighted

    Military Duty

    Nice to know I've been wasting my money all these years. Rip off merchants to the highest degree. I suggest anyone who has a policy with these clowns and expects a payment from them following an injury looks somewhere else if the expect cover when they are at work.
  7. oh dear... this doesnt sound good for me! :s
  8. The_Duke

    The_Duke LE Moderator

    Quick reality check folks -

    A travel insurance policy covers you for holidays or other travel on scheduled aircraft. It is not a catch all cover for whilst you are on duty. Therefore, the fact that you don't get a boarding card on your Seaking is totally irrelevant as it is not a holiday flight.

    The fact that they brand it as a military travel policy may indeed be misleading, as all they are selling is a bog standard travel policy but branded for the military.

    Of course, all of these clauses are shown in the wording which you would have been provided and advised to read on the purchase of your policy. Having read the policy, if you found it to be unsuitable you could have returned it for a full return of premium paid under the cooling off period required by UK insurance law.

    Of coure, that would actually require you to have read your policy. You did read it, didn't you?

    Edit: I have just seen how old the OP is. Weeman, if you want to expand on your "bring back to life" comment, fire away. Otherwise, this should probably go back to the grave.
  9. Of course, this thread is from 2007. You did read it, didn't you? :p
    • Like Like x 1
  10. The_Duke

    The_Duke LE Moderator

    Do you work for them by any chance?
  11. ViroBono

    ViroBono LE Moderator

    Poor attempts at advertising/spam unapproved, together with Offendi's post copying the spam.