Look, while I get the whole AppleCare v AppleCare plus could and should be elsewhere I don’t think any of it should be moved to be honest. Seems like the logical place to discuss alternative options to what Monzo offers. So I think as a 1:1 comparison of max to AC+ it is very much on topic? My opinion of course.
EDIT: I missed the “+” out of the mention above
Yes, it is. What isn’t is a few dozen messages discussing whether AppleCare+ is technically insurance or not!
Edit: the irony of this post also being off-topic is not lost on me 
Perhaps you’re right, that should stay on topic, questioning whether AppleCare+ is an extended warranty or insurance policy should be moved though.
sorry just saw the post above after I had replied
Just catching up on messages, very excited about the credit insites notifications!
The travel insurance states that a trip must start and end in the UK
Let’s say I visit Slovakia, Austria by train, and then Hungary by train before flying back to the UK, would all of that be covered?
If I don’t have a return flight booked while abroad and need to make a claim, would that be covered?
Presumably you leave the UK to go to a first country, and return to the UK from an end country. It’s all one trip. A trip doesn’t have to just be in one country only.
I believe you are correct in that you need to have the return flight booked, and the journey whole, to make a claim.
There was a post on revolut whereby they were denied a claim because they didn’t have a return flight, therefore no return to the UK.
A trip is defined in the policy as a round trip starting and ending in the UK and lasting for no more than 45 days. If you don’t have a return booked, I’m not sure how you could show you meet that criteria.
You’re always best off ringing and speaking to the insurer though.
Maybe this is pedantic but flying isn’t the only way to travel.
I drive to Europe sometimes, and I expect travel insurance to cover me as my clear intention is to drive back (i.e. I haven’t quit my job, sold my house, etc).
But you have a planned route back, whereby Jon’s query does not.
You would likely be required to provide proof of the return journey in form of car being booked etc.
If by car, you’re entering and leaving by a ferry or the underground network. You have to have the tickets for it. The other query did not mention this.
sorry just saw the post above
I may not have booked ferry/Eurotunnel tickets back as I may not know exactly when I want to return (the beauty of driving) though. But I still plan to return, which is obvious to any human with two brain cells (this goes to insurance companies who may try to thieve me by claiming I don’t plan to return if I don’t have a boat booked).
Same on planes in fact, although less likely for short (<45 days) trips, one may not have booked the ticket back if unsure of the return date. Depending on the time of year and destination, this might be cheaper than booking an expensive ticket that allows changes.
Well on paper, you do not, therefore no coverage is to be provided by said insurance companies.
They’d be looking for specialist insurance based on unknown returns.
Having not quit my job, or sold my house, or divorced my wife (if travelling alone), and it’s clear I am on holiday just like every year, they would have a hard time proving it in court.
Put simply, they just reject the claim on the basis you have no return journey.
Not even sure why you’re challenging it?
Insurance is for x days, must provide proof of full return journey.
You’re going away with unknown return journey.
Claim rejected. End of.
That’s on you, not them, for making broad assumptions which insurance companies and most other regulated businesses are not able to do.
No they would not. You might be just trying to leave everything behind, your policy requires it, you didn’t follow it.
once again Carlo sent it faster
I’d advise you to check your policy wording, as this is what you need to rely on in any dispute. Here’s the wording from my annual policy document;
If you have chosen an Annual Multi Trip Insurance, the outward journey and return journey from and to, your home in the United Kingdom, Channel Islands or BFPO must be pre-booked prior to the outward journey and take place during the start and end date of the insurance as shown on the Schedule of cover and limits.
Just to add that the end sentence about not having booked a return journey home was added after I posted.
My assumption was there was a return to the UK booked.
Thanks for the answers guys, this probably means I’ll look to get some external travel insurance…
From what I can see Nationwide and Lloyds offerings also have this clause, any other recommendations?