So here is an interesting one. I have my flights book, and my travel insurance sorted, but no hotel booked. Importantly my TI policy was purchased on the 29th July, well before the 7th Aug cutoff imposed by Alliance.
So if I book a hotel, and then decide to cancel, would I be able to claim? Part of me says yes, in that I have a trip booked, and TI sorted before the cut off date, and therefore I have no choice but to book a hotel to still go on the trip. The other part of me says no, in that I could limit this particular loss by simply cancelling the entire trip up front.
But that then brings me into a second interesting question, given my trip is booked for 3.5 weeks time, I could in theory cancel altogether knowing that there is a chance I could get stuck there, and therefore have limited the insurers losses if I need to stay additional nights.
Has anyone ever being in this situation and have any advice they could give, the "general advice" given to me by the insurer was pretty much useless.