Amex Qantas Ultimate - insurance for missing train?

[SCM]

Hi

I have the Amex Qantas Ultimate card, and I'm hoping to close it soon (before Nov). I have had one ongoing dispute about an insurance claim with them.

The situation simply put is that I missed a European intercity train (due to problems with congestion at the station they changed the platform, and I have a feeling they announced it in the local language but definitely not in English over the PA system).

I put in this claim, and due to the limited set of things I could select in the claim, they assumed I meant the train was delayed by an hour, whereas what happened was that I just had to rebook that service for the next train which was an hour later. I did a dispute after they initially rejected the claim, and they said that either way this situation is not covered under the PDS.

It's a bit dodgy because they mention trains many times when it comes to certain exclusions (of which the above is not one), but when it comes to coverage they only generally use the term "flight", even though they clearly do cover some train journeys as is stipulated in the PDS in terms of travel to/from your home. So to me this is quite confusing, but I was wondering if anyone here may be an expert on this and can suggest whether this should or should not be covered under the PDS. I have read it many times both before and after my trip, but it is written to be quite obscure obviously, so to me there is nothing obvious that sticks out.

PDS link --> https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds_ultimatecard.pdf

Thank you!

 

[MEL_Traveller]

Which section in particular are you looking to claim under?

 

[Daver6]

In flying terms, would this be the equivalent of missing a flight because you're at the airport and not aware of a gate change? If so, not that sort of thing is going to be covered.

 

[SCM]

Which section in particular are you looking to claim under?

I am not sure, hence the question. I actually work in insurance, and ideally it would be covered under Section (C) Travel Inconvenience Cover however that stipulates flights only, whereas ideally it would be equivalent to what is defined as "public transport" in the PDS.

Post automatically merged: Sep 7, 2022

In flying terms, would this be the equivalent of missing a flight because you're at the airport and not aware of a gate change? If so, not that sort of thing is going to be covered.

It should be covered if they don't announce it. I actually had that happen as well, it was at 2am and the entire airport was empty, the notice board did not show any gate, and there was zero communication from anyone nor any staff at the airport (it was literally deserted). I was basically part of a group of people running around trying to figure out which gate a wizz air flight was going to (it was the only aircraft moving at this airport). The flight was around 16 hours late.

I did make this flight, but I totally would understand if some people didn't, that should 100% be covered.

 

[MEL_Traveller]

I am not sure, hence the question. I actually work in insurance, and ideally it would be covered under Section (C) Travel Inconvenience Cover however that stipulates flights only, whereas ideally it would be equivalent to what is defined as "public transport" in the PDS.

Post automatically merged: Sep 7, 2022

It should be covered if they don't announce it. I actually had that happen as well, it was at 2am and the entire airport was empty, the notice board did not show any gate, and there was zero communication from anyone nor any staff at the airport (it was literally deserted). I was basically part of a group of people running around trying to figure out which gate a wizz air flight was going to (it was the only aircraft moving at this airport). The flight was around 16 hours late.

I did make this flight, but I totally would understand if some people didn't, that should 100% be covered.

Reading the detail of section 7 says they will cover a missed flight if:

c. You missed Your onward connecting Scheduled Flight at the transfer point due to the late arrival of Your incoming connecting Scheduled Flight, and no alternative onward flight is made available to You within 4 hours of the actual arrival time of the incoming flight;

You did not miss your flight - or almost miss it - because your inbound was late.

The insurance company would probably refer you to the airline involved.