The HfP chat thread – Monday 29th November

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• Lee says:

  29 Nov29 November 20:31

  Question about travel insurance:
  We have FlexPlus travel insurance and upon reading details found this:
  You are covered for
  We will pay up to £5,000 for each insured person for their portion of the trip costs if you have to cancel your trip, including:

  • The value of used points or miles if you booked your flight or accommodation using Avios or a similar promotional scheme.

  Anyone know how they value points? I have a 6 night stay at St Regis over Christmas, cost me 590k Marriott points and has passed the free cancellation date, cash price for same room would be over £35k. Thanks!

  • Anastasia Beaverhausen says:

    29 Nov29 November 20:37

    Just guessing but probably based on the price to buy those points or miles.

  • will says:

    29 Nov29 November 21:31

    You’d lose the points, so logically it’s the replacement cost of them.
    What you also want to make sure is that there isn’t some sort of no show cash charge which IHG often threaten.

    Easiest solution of all if you have a good reason for cancelling is to phone marriott/hotel and explain and see what they will do for you.

  • JDB says:

    29 Nov29 November 22:00

    Obviously, the reason for cancelling also needs to be an insurable event (and Nationwide has limited these, although still generous vs. most) under the policy which may depend on when you booked.

  • Phil says:

    30 Nov30 November 00:29

    Have a check of the cancellation terms to double check what they’re actually going to assess. The terms on my St Regis redemption, sent in their “ We look forward to welcoming you” email, is:

    “In the event that you cancel or shorten your reservation fewer than seven days before your scheduled arrival date or if you do not arrive for your reservation, a one-night cancellation fee equal to $XXXX will be assessed to the credit card used when booking.”

    The fee was lower than a one night room rate when I booked.

• Colin MacKinnon says:

  29 Nov29 November 20:49

  Thanks to whoever mentioned the Swiss £1k deal in business from London to Dubai.

  Booked LHR-ZRH-DBX and back DBX-FRA-EDI for £1004 – daytime flight out, 90 min tranfser bother ways.

  So that’s my belated 60th booked for belated Expo 2020 !

  Now, best hotels for a few days at Expo – plus a few days at the beach, checking the hyper-extravagant sights of Dubai and maybe a day or two in the desert?

  • Polly says:

    30 Nov30 November 03:56

    Let’s hope you get there tho…great price

  • BP says:

    14 Dec14 December 15:03

    For Expo a hotel on the metro line is ideal. Maybe Emirates Towers then you get to use the Jumeirah beach?

• Alan says:

  29 Nov29 November 21:34

  How are the Creation account write offs going?
  At the moment I have only 50p outstanding on my account, is it worth adding to it in the hope of a write off.

  • Andrew says:

    29 Nov29 November 22:06

    It’s all down to your risk appetite.

    Could you afford to repay next year’s Council Tax and a few £1,000 in utility prepayments on demand if they weren’t written off?

    • Alan says:

      30 Nov30 November 00:23

      Yes but I was thinking of a couple of hundred, as per a couple of posts from people saying their accounts had be closed and the balances written off, not thousands.

  • Jonathan says:

    29 Nov29 November 22:17

    I put about £9k on mine over the past 6 weeks and nothings been written off unfortunately.

  • SteveJ says:

    29 Nov29 November 22:29

    I was planning on the opposite, leave a credit balance so they have the hassle of having to cut me a cheque.

    • Roy says:

      29 Nov29 November 22:38

      Maybe they’ll just write that off, too 🙂

    • Harrier25 says:

      29 Nov29 November 22:38

      A cheque? This isn’t 1982 SteveJ. In 2021 they’re more likely going to email you requesting account details to transfer the funds back to you.

      • stevenhp1987 says:

        29 Nov29 November 22:44

        If you overpay by card, my guess is they’ll just refund it to the card…

        Overpay by bank transfer… I’d be willing to bet they’ll pay by Cheque.

        I’ve had 2 cheques this year when a bank transfer would have been quicker, cheaper & easier.

      • SteveJ says:

        29 Nov29 November 22:49

        I doubt they’re capable of generating a secure way for me to send them my bank details, so I’ll just take a cheque ☺️

        • Harrier25 says:

          29 Nov29 November 22:55

          Fair enough.

      • TGLoyalty says:

        29 Nov29 November 23:04

        Amex still send cheques for refunds.

        • QFFlyer says:

          30 Nov30 November 08:01

          I’ve never had a cheque from Amex, bank transfer every single time

        • TGLoyalty says:

          30 Nov30 November 21:20

          If you like to pay vi debit card rather than DD or if you ask they’ll send a cheque.

    • Ming the Merciless says:

      30 Nov30 November 05:28

      I’ve done this already-
      Had to provide proof of paying creation from my bank account to them in excess of the amount being refunded. Since I had only sent £100 to them from my bank this wasn’t possible so they reversed a credit card payment payment instead.

• Harley says:

  29 Nov29 November 21:54

  Interesting article https://www.mirror.co.uk/money/british-airways-customer-wins-300-25571643

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