Many, many years ago a small claim from me was refused because my policy was invalid for one or both of the following reasons:
I was not permanently residing in the country where I bought the travel insurance and/or I was not a permanent resident.
Thought with all this talk of travel insurance I would post this as a warning in case same rules still apply with some insurance companys.
Am Australian and was living and working in London.
Before returning to Australia was going to travel Europe so wanted a travel insurance policy.
Lined up in a queue of mostly Australians in a branch of the Lloyds Bank of England in Earls Court to purchase this policy.
My handbag was stolen in Spain and when I later tried to claim I was refused due to a small clause in the insurance policy (that I had
not noticed) stating that to make a claim the insured had to be either residing in the country where the policy was bought or a permanent resident. (sorry forget which now - was one of the two)
I had actually sent in the claim to them on my return to London, but
as they took so long to respond I was by then back in Australia.
I was very upset and argued that in that Earls Court branch in London they were knowingly selling these insurance policys to people who were obviously not permanently residing in England, I also argued that I also had a British Passport but to no avail:(