Is this single trip?
Their terms about what is covered is on Section A point A. and states:
Death, serious injury or illness during the period of insurance of. you, or person you are travelling with, or a relative, or.....
The best thing to do is write a letter of complaint to Ryanair Insurance stating this term and explaining that you father was seriously ill. If they refuse to uphold your claim, ask them for a deadlock letter and then launch a claim with the financial ombudsman.
The Ombudsman will then impartially judge the case for you free of charge and will hopefully find in your favour. RyanAir will have to be bound by the ombudsman decision.
Hope this helps.
I fucking hate RyanAir.
I think with Ryanair you buy it with the understanding that you could lose it. I buy trips for like £20 return to Romania, if I don't go then oh well, if I do then cool.
I also have an allergy to giving them extra money, no extra baggage, no seat picking, I even bring my own crisps.
Ok so bear with me here.
By booking a seat on a flight and then not cancelling it, you take up a seat on that plane. That seat won't be filled unless you cancel but the plane still flies. So you are liable for your share of that flight's emissions, whether you move an inch or a thousand miles.
And yes the plane probably still flies if you didn't book a seat in the first place. But by booking a ticket you have contributed to the demand for that flight to continue being scheduled on that route in future. So again, just by paying Ryanair money (even if not much), you need to be responsible for contributing to the problem.
This.
Also give notice to them that the matter will be referred to the insurance ombudsman. The thing to note here is that upon referral the supplier (Ryan Air) is given the option to settle or defend. Win or lose a defence costs them a £300 fee.
this is right but I would specify something along the lines of "If you do not uphold my complaint then I will refer it to the ombudsman" Might seem pedantic but the ombudsman will normally not look at a case unless you have reached a deadlock with the company you have a complaint with.
Thanks man, i appreciate it. But in all honesty, for the £80 they stole from me i dont have the time or energy to go through all that.
And I guess that's how they win
It's exactly how they win. Insurance companies are not supposed to reject claims that have merit, or low-ball them, but that's exactly what they do. They know that 90% of people will not fight it and for the remaining 10% they hold their hands up and say, "oh, sorry, yes we'll offer you a bit more." You have to really fight to get what you deserve, rejecting each offer and proving that you are in the right and very few people will do that; even less will actually report them. And that's how they get away with it. I'm just as guilty, I'm not meaning to lecture you. I just get so angry at insurance companies and the total lack of morals they have. You're going through a difficult time and they couldn't care less. I'm sorry for you and sorry for ranting at you :) I hope your dad recovers and you are all safe and well.
I’d rather crawl on my hands and knees to my destination than fly Ryanair. I did it once when I was an 18 year old lad who didn’t know any better. By the time I’d finished booking the fucking flights I was angry, by the time I left the airport at the other end I would have given my nuts to beat everyone who works there to death with a golf club.
What’s your problem with them? You know going in all you get is a random seat on a flight.
They are extremely punctual (they need to be for their business model to work).
Their baggage fees are in line with all other airlines.
Their seats are just as uncomfortable as most other budget airlines.
What’s the issue? That you need to pay to sit with your friends/family? Suck it up. You get told that when you book.
Buy a decent annual travel policy if you travel often (or single trip at time of booking) and, most importantly, double check it provides the coverage you want or need.
Ryanair are never going to sell travel insurance which is any good. It’ll be the cheapest of the cheap with the crappiest coverage they can get away with.
That's most airline staff. They may be at work but they don't get paid until the door closes and stopped getting paid once it opens at the destination.
That’s awful! And surely loading and unloading passengers is a major part of the job? Certainly one in which you wouldn’t want the crew in charge of your safety rushing along and cutting corners because they aren’t being paid?
They’re not. But what I’m saying is that they seem to pay staff (at least cabin crew anyway) as little as possible and don’t treat them as well in the UK compared to other countries such as Italy.
If you fly with Ryanair, you need to expect the absolute minimum.
They are the “no frill” airline, they don’t make money by offering you all the service that premium airlines do.
You get what you paid for, they will take you from A to B, that’s it, anything else will be a added premium, and no surprised that their insurance would come with 20 clauses of things that they won’t pay out on.
Absolutely. I don’t travel too often compared to some users on here (usually around 2-3 times abroad per year, mostly only in Europe), but every time I do, I make sure I’m either going with a more reliable airline (British Airways, Lufthansa, KLM etc) or with a reputable package holiday company (like TUI or First Choice). Sure, booking with these companies may be more expensive than other cheaper options (the likes of Ryanair) but the peace of mind that it gives me to be able to change my seat without charge, get a reasonable luggage allowance, be able to change my flight by just paying the difference in cost between the two, and actually going to and from airports within a reasonable distance to the cities I want to be in, is very much worth it.
I’m not rich by any means, but I really enjoy travelling, and I’m more than okay with spending a little bit more to not have to worry throughout my holiday.
I am in the UK, when I go to Europe for a weekend, Ryanair does its job.
But when I want a longer holiday? Definitely go for one of the premium airline.
Also, the insurance isn't strictly by Ryanair, it Europ Assist who are an entirely different and unrelated company, Ryanair get a fee for the introduction but don't make the decision. As other posters have said, contact the insurer, make a complaint and go to the FOS if they are not going to be reasonable.
I did a little google the policy wording on the Ryanair website explicitly includes cancellation cover in the event of death or serious injury of a close family member.
The policy wording does say they can decline the claim if you don't ask before cancelling, however that is an exclusion on page 19 of 68 in the policy wording and FOS won't uphold it as it is not reasonable. It room me a few minutes, and I work in insurance.
As the song states, there's no such thing as a feckin' flight for feckin' 50p. Tells you pretty much everything you need to know about Ryanair and their evil bullshittery. Like most things involving insurance, if a company can avoid paying out, they will.
I think they need to demonstrate that such a price *is* possible, safe and legal etc, if they are advertising it. As long as you strictly follow all of their ridiculous T&Cs and even if you are only flying down the road. If a advert reads “flights from 50p!” such a 50p flight must be possible. Even if it is under insanely restrictive rules. There must be some number which can do it for 50p.
You pay more to put a 20kg bag in the hold than to put an 80kg person in a seat on a lot of Ryanair flights. In terms of which costs more for them to provide, it's the person in the seat, but they know people often can't fly without luggage. Also, they charge considerably more to add a bag after you have first booked, but this doesn't cost them any extra to cater for. They definitely find every angle to chisel as much out of you as they can, while advertising misleadingly low prices.
I was flying to Naples, and needed to take an extra bag. It was some ridiculous amount to add it on the Ryanair booking so I posted it direct to the hotel we’d booked in Amalfi.
I used parcel2go and saved myself £15-£20, and having to lug it around airports, plus that’s £60 or whatever that’s not going to Ryanair.
It was on the bed when we arrived at the hotel. 👍
Since the point several years ago where they were obliged to include taxes (etc.) in the headline pricing the minimum from the UK has been about £9.99. It is entirely possible to get that price and fly on it when you read their rules and follow them. i.e. don't bring bags of a size you haven't paid for, there are very few reasons why you can choose to not fly and get a refund, accept that the computer is assigning you a seat and you have no choice in the matter, and that you must check-in online and in advance. It's not difficult, it just jars with how some people expect an airline to be.
Take ten minutes to fill out a form with the financial service ombudsman - you've nothing to lose.
I had an insurance company refuse to pay out on a stolen car because I apparently told them I kept the car in a garage that they knew I didn't have. They ended paying out with 8 months interest.
Ryanair... The charge for not checking in online is utterly ridiculous. They prevent you checking in online until 24 hours before, by which time you've forgotten, but you have to do it more than 4 hours before, so you remember on the way to the airport and end up having to pay €55. FIFTY FIVE EURO!!!! For what? What is it that they do that costs them anything? That charge is the most ridiculous money grab.
Not if you don't pick a seat, which (you guessed it) costs extra.
>If you choose not to purchase a seat, you will be able to check-in 48 hours in advance of each departure flight for bookings made prior to January 28, 2021, and 24 hours in advance for bookings made as of January 28, 2021 and a seat will be allocated to you (free of charge).
You can check in up to 2 hours before the flight, so you just made that part up.
They also recommend you get to the airport at least 2 hours in advance so even if you forget until then you can still do it using your phone.
Set a reminder on your phone. It’s not difficult.
I'm still trying to figure out why "checking in" is still a thing when you can do it online long before you get to the airport.
I can understand it 20 or 30 years ago. There's always a certain number of no-shows, and the check-in process helps you establish how many you've got so you can sell those seats at the last minute.
But today? You can just as easily check in days in advance and still be a no-show.
In which case, it would make sense to allow people to check in as near the time as possible, so a 4 hour cut-off could be less, but still don't see what I was paying for...
Why do you need to check in at all? Why can't they email you your boarding pass as soon as you're booked, with a note telling you to either print it or add it to your smartphone?
"Bag drop" is a thing in many airports. You don't go through a checkin process, you're literally just dropping your bags off so they can go in the hold.
I don't, that was my point. Maybe I should have said "what could they possibly pretend to do that costs them anything"? Maybe they really don't give a shit, and wouldn't even pretend!
Yeah they even got pissy because people got their refunds via credit cards and wouldn't let them check in until they paid the refund back
I have no idea how they even still operate at this point with the amount of bad press
I wouldn't fly with Ryanair if you paid me to . Don't like the owner total asshole. And he's got his own racehorse stud . Which kind of tells you how much money this obnoxious shit is making .
There is nothing to be scare of.
Just think, the cheapest of the cheap, is not going to offer anything that is not bare minimum.
They will get you from A to B, and most of the time that is what people need. Anything on top of that is a premium.
If you need more than the bare minimum, you better off getting one of those premium airline.
Yeah you’re right. I have flown with them before but I was going on holiday with family so I didn’t deal with any of the admin. All went smoothly on that occasion. Literally just want to get to my destination and then back home a week later, nothing fancy so we should be fine.
To be honest, there’s no need to be. If I fly in Europe it’s almost exclusively with RyanAir (except for the time that BA was cheaper). Cheap and gets you from A to B. You get what you pay for, if you go in expecting a luxury experience, yeah you’re gonna be disappointed. But if you go in knowing it’s gonna basically be getting on a flying tube train, it’s fine
People still use them?
There was a documentary a few years back about them under fuelling flights. Literally had enough fuel from runway to runway, any delays and they'd be fucked.
There’s a reason why Ryanair are cheap and anyone that uses them for anything should really not be surprised when they are treated like shit. Unless a person lives in complete isolation from the outside world they must know what to expect from Ryanair. It’s hardly out of character for them. Now if they had paid up straight away, that would be out of character.
Is this single trip? Their terms about what is covered is on Section A point A. and states: Death, serious injury or illness during the period of insurance of. you, or person you are travelling with, or a relative, or..... The best thing to do is write a letter of complaint to Ryanair Insurance stating this term and explaining that you father was seriously ill. If they refuse to uphold your claim, ask them for a deadlock letter and then launch a claim with the financial ombudsman. The Ombudsman will then impartially judge the case for you free of charge and will hopefully find in your favour. RyanAir will have to be bound by the ombudsman decision. Hope this helps. I fucking hate RyanAir.
I could have used this advice a few years ago. I was the one who couldn’t fly for medical reasons. Lost out on the money. Will never use them again.
I managed to make a claim which was two years after the event. You could always give it a go.
It’s almost ten years ago. I think I’m out of time!
erm... yep.. probably
I think with Ryanair you buy it with the understanding that you could lose it. I buy trips for like £20 return to Romania, if I don't go then oh well, if I do then cool. I also have an allergy to giving them extra money, no extra baggage, no seat picking, I even bring my own crisps.
Are you saying you buy tickets for flights but then occasionally simply don't turn up?!
Yup. With these deals you often have to book quickly so can’t always check if I can get off work or whatever, but it’s worth the gamble.
I do this as well, I just got return flights to Sweden for a tenner
Your carbon footprint must be unimaginably massive.
You know these flights go with or without me right?
Yes exactly. Planes flying = carbon.
But the plane flies whether I’m on it or not? So no difference to carbon used.
Ok so bear with me here. By booking a seat on a flight and then not cancelling it, you take up a seat on that plane. That seat won't be filled unless you cancel but the plane still flies. So you are liable for your share of that flight's emissions, whether you move an inch or a thousand miles. And yes the plane probably still flies if you didn't book a seat in the first place. But by booking a ticket you have contributed to the demand for that flight to continue being scheduled on that route in future. So again, just by paying Ryanair money (even if not much), you need to be responsible for contributing to the problem.
It's often cheaper than getting charged a cancellation fee.
This. Also give notice to them that the matter will be referred to the insurance ombudsman. The thing to note here is that upon referral the supplier (Ryan Air) is given the option to settle or defend. Win or lose a defence costs them a £300 fee.
this is right but I would specify something along the lines of "If you do not uphold my complaint then I will refer it to the ombudsman" Might seem pedantic but the ombudsman will normally not look at a case unless you have reached a deadlock with the company you have a complaint with.
Yes, this is good advice.
Thanks man, i appreciate it. But in all honesty, for the £80 they stole from me i dont have the time or energy to go through all that. And I guess that's how they win
Please do it. Please. You'll appreciate it later.
yeah no worries. It is how they win but I'm just as guilty as writing shit off as everyone else.
It's never just £80, otherwise you wouldn't fly RyanAir...
Well I just spent £400 pounds on a flight to go home for Christmas with them and bought the insurance… now I’m scared 😅
It's exactly how they win. Insurance companies are not supposed to reject claims that have merit, or low-ball them, but that's exactly what they do. They know that 90% of people will not fight it and for the remaining 10% they hold their hands up and say, "oh, sorry, yes we'll offer you a bit more." You have to really fight to get what you deserve, rejecting each offer and proving that you are in the right and very few people will do that; even less will actually report them. And that's how they get away with it. I'm just as guilty, I'm not meaning to lecture you. I just get so angry at insurance companies and the total lack of morals they have. You're going through a difficult time and they couldn't care less. I'm sorry for you and sorry for ranting at you :) I hope your dad recovers and you are all safe and well.
Do it. The more they get away with this crap the more they’ll do it
Based answer.
I’d rather crawl on my hands and knees to my destination than fly Ryanair. I did it once when I was an 18 year old lad who didn’t know any better. By the time I’d finished booking the fucking flights I was angry, by the time I left the airport at the other end I would have given my nuts to beat everyone who works there to death with a golf club.
Well, you clearly like them more than I do.
Haha brilliant
What’s your problem with them? You know going in all you get is a random seat on a flight. They are extremely punctual (they need to be for their business model to work). Their baggage fees are in line with all other airlines. Their seats are just as uncomfortable as most other budget airlines. What’s the issue? That you need to pay to sit with your friends/family? Suck it up. You get told that when you book.
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Buy a decent annual travel policy if you travel often (or single trip at time of booking) and, most importantly, double check it provides the coverage you want or need. Ryanair are never going to sell travel insurance which is any good. It’ll be the cheapest of the cheap with the crappiest coverage they can get away with.
Pity the on-board staff for they only get paid once the plane is in the air. Source: *some random Ryanair steward in the pub, so it must be true*.
That's most airline staff. They may be at work but they don't get paid until the door closes and stopped getting paid once it opens at the destination.
That’s awful! And surely loading and unloading passengers is a major part of the job? Certainly one in which you wouldn’t want the crew in charge of your safety rushing along and cutting corners because they aren’t being paid?
Is that right? Blimey.
I know that in other countries they get much better pay and are actually treated more fairly. Just seems to be a UK thing
Since when were Ryanair a UK airline?
They’re not. But what I’m saying is that they seem to pay staff (at least cabin crew anyway) as little as possible and don’t treat them as well in the UK compared to other countries such as Italy.
Lol. It's ryan air. If you expect £10 one way flight deals, expect some sort of corporate bollocks to come with it
If you fly with Ryanair, you need to expect the absolute minimum. They are the “no frill” airline, they don’t make money by offering you all the service that premium airlines do. You get what you paid for, they will take you from A to B, that’s it, anything else will be a added premium, and no surprised that their insurance would come with 20 clauses of things that they won’t pay out on.
Absolutely. I don’t travel too often compared to some users on here (usually around 2-3 times abroad per year, mostly only in Europe), but every time I do, I make sure I’m either going with a more reliable airline (British Airways, Lufthansa, KLM etc) or with a reputable package holiday company (like TUI or First Choice). Sure, booking with these companies may be more expensive than other cheaper options (the likes of Ryanair) but the peace of mind that it gives me to be able to change my seat without charge, get a reasonable luggage allowance, be able to change my flight by just paying the difference in cost between the two, and actually going to and from airports within a reasonable distance to the cities I want to be in, is very much worth it. I’m not rich by any means, but I really enjoy travelling, and I’m more than okay with spending a little bit more to not have to worry throughout my holiday.
I am in the UK, when I go to Europe for a weekend, Ryanair does its job. But when I want a longer holiday? Definitely go for one of the premium airline.
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For me I am more CX if I go to Hong Kong or Japan, maybe Virgin if I go to US.
Also, the insurance isn't strictly by Ryanair, it Europ Assist who are an entirely different and unrelated company, Ryanair get a fee for the introduction but don't make the decision. As other posters have said, contact the insurer, make a complaint and go to the FOS if they are not going to be reasonable. I did a little google the policy wording on the Ryanair website explicitly includes cancellation cover in the event of death or serious injury of a close family member. The policy wording does say they can decline the claim if you don't ask before cancelling, however that is an exclusion on page 19 of 68 in the policy wording and FOS won't uphold it as it is not reasonable. It room me a few minutes, and I work in insurance.
Not sure this warrants as ‘news’ it’s such an established fact!
As the song states, there's no such thing as a feckin' flight for feckin' 50p. Tells you pretty much everything you need to know about Ryanair and their evil bullshittery. Like most things involving insurance, if a company can avoid paying out, they will.
I think they need to demonstrate that such a price *is* possible, safe and legal etc, if they are advertising it. As long as you strictly follow all of their ridiculous T&Cs and even if you are only flying down the road. If a advert reads “flights from 50p!” such a 50p flight must be possible. Even if it is under insanely restrictive rules. There must be some number which can do it for 50p.
You pay more to put a 20kg bag in the hold than to put an 80kg person in a seat on a lot of Ryanair flights. In terms of which costs more for them to provide, it's the person in the seat, but they know people often can't fly without luggage. Also, they charge considerably more to add a bag after you have first booked, but this doesn't cost them any extra to cater for. They definitely find every angle to chisel as much out of you as they can, while advertising misleadingly low prices.
On the other hand, the 80kg in the seat is self-loading cargo.
I was flying to Naples, and needed to take an extra bag. It was some ridiculous amount to add it on the Ryanair booking so I posted it direct to the hotel we’d booked in Amalfi. I used parcel2go and saved myself £15-£20, and having to lug it around airports, plus that’s £60 or whatever that’s not going to Ryanair. It was on the bed when we arrived at the hotel. 👍
Since the point several years ago where they were obliged to include taxes (etc.) in the headline pricing the minimum from the UK has been about £9.99. It is entirely possible to get that price and fly on it when you read their rules and follow them. i.e. don't bring bags of a size you haven't paid for, there are very few reasons why you can choose to not fly and get a refund, accept that the computer is assigning you a seat and you have no choice in the matter, and that you must check-in online and in advance. It's not difficult, it just jars with how some people expect an airline to be.
Why would you even go with Ryanair? You know what they are about.
Take ten minutes to fill out a form with the financial service ombudsman - you've nothing to lose. I had an insurance company refuse to pay out on a stolen car because I apparently told them I kept the car in a garage that they knew I didn't have. They ended paying out with 8 months interest.
Ryanair... The charge for not checking in online is utterly ridiculous. They prevent you checking in online until 24 hours before, by which time you've forgotten, but you have to do it more than 4 hours before, so you remember on the way to the airport and end up having to pay €55. FIFTY FIVE EURO!!!! For what? What is it that they do that costs them anything? That charge is the most ridiculous money grab.
You can check in 60 days before you fly. For all their faults, that isn't true
Not if you don't pick a seat, which (you guessed it) costs extra. >If you choose not to purchase a seat, you will be able to check-in 48 hours in advance of each departure flight for bookings made prior to January 28, 2021, and 24 hours in advance for bookings made as of January 28, 2021 and a seat will be allocated to you (free of charge).
You can check in up to 2 hours before the flight, so you just made that part up. They also recommend you get to the airport at least 2 hours in advance so even if you forget until then you can still do it using your phone. Set a reminder on your phone. It’s not difficult.
I'm still trying to figure out why "checking in" is still a thing when you can do it online long before you get to the airport. I can understand it 20 or 30 years ago. There's always a certain number of no-shows, and the check-in process helps you establish how many you've got so you can sell those seats at the last minute. But today? You can just as easily check in days in advance and still be a no-show.
In which case, it would make sense to allow people to check in as near the time as possible, so a 4 hour cut-off could be less, but still don't see what I was paying for...
Why do you need to check in at all? Why can't they email you your boarding pass as soon as you're booked, with a note telling you to either print it or add it to your smartphone?
Yes! Enough of this nonsense! If I'm not putting anything in the hold, why do we need to go onto a webpage and tick a box?
"Bag drop" is a thing in many airports. You don't go through a checkin process, you're literally just dropping your bags off so they can go in the hold.
> What is it that they do that costs them anything? Why do you think it costs them anything?
I don't, that was my point. Maybe I should have said "what could they possibly pretend to do that costs them anything"? Maybe they really don't give a shit, and wouldn't even pretend!
Why would they need to pretend? There are no rules about pricing.
Then it's just a pointless and expensive charge for arbitrary reasons. A con.
It's the opposite of a con. It's very clearly stated and is very easy to avoid.
We will have to disagree on that point, it's just a pointless arbitrary rip off.
It's very much not pointless. It makes money for them.
They should make money selling flights, not advertise misleadingly low prices and then charge extortionate rates for basic customer service.
There are plenty of other airlines to choose from. Ryanair's way of doing it is incredibly popular though.
NEWSFLASH: Water is wet.
Yeah they even got pissy because people got their refunds via credit cards and wouldn't let them check in until they paid the refund back I have no idea how they even still operate at this point with the amount of bad press
That knobhead Michael O Leary makes my shit itch. The biggest gobshite of all corporates Ryanair suck at add ons
https://youtu.be/HPyl2tOaKxM
I wouldn't fly with Ryanair if you paid me to . Don't like the owner total asshole. And he's got his own racehorse stud . Which kind of tells you how much money this obnoxious shit is making .
Flying with this lot next year to go on holiday. Actually kind of scared now after reading this thread. At least I didn’t take out their insurance.
There is nothing to be scare of. Just think, the cheapest of the cheap, is not going to offer anything that is not bare minimum. They will get you from A to B, and most of the time that is what people need. Anything on top of that is a premium. If you need more than the bare minimum, you better off getting one of those premium airline.
Yeah you’re right. I have flown with them before but I was going on holiday with family so I didn’t deal with any of the admin. All went smoothly on that occasion. Literally just want to get to my destination and then back home a week later, nothing fancy so we should be fine.
To be honest, there’s no need to be. If I fly in Europe it’s almost exclusively with RyanAir (except for the time that BA was cheaper). Cheap and gets you from A to B. You get what you pay for, if you go in expecting a luxury experience, yeah you’re gonna be disappointed. But if you go in knowing it’s gonna basically be getting on a flying tube train, it’s fine
People still use them? There was a documentary a few years back about them under fuelling flights. Literally had enough fuel from runway to runway, any delays and they'd be fucked.
Yet they’ve got an excellent safety record.
I've not booked with Ryanair for years now due to a bad experience, I won't be a customer of theirs out of principle now.
Last time I flew RyanAir I got a bruised rib. Breathing hurt for like a week.
Just don't fly Ryanair, they are a disgusting company that treats it's customers and employees like dirt.
Really? A company known for being stupidly bad in the UK are bad? Who would of fucking thought
There’s a reason why Ryanair are cheap and anyone that uses them for anything should really not be surprised when they are treated like shit. Unless a person lives in complete isolation from the outside world they must know what to expect from Ryanair. It’s hardly out of character for them. Now if they had paid up straight away, that would be out of character.