insurance expert Erk Schaarschmidt of the Verbraucherzentrale Brandenburg clarifies the most important questions to trip cancellation.

Mr Schaarschmidt, I have cancelled my trip to corona due to the free-of-charge. My contract partner has not reimbursed me for my travel price, the cost of travel cancellation insurance, however. Is this legal?

Erk Schaarschmidt: "That depends on what is booked in for an insurance payment you. It is a pure trip cancellation insurance, the cancellation of the tour, in our view, a Pro rata refund claim for the unused part of the insurance contributions. You need pay the insurance coverage, up to the cancellation date. Because they were ill, for example, is difficult, you could have been from the time of booking up to the corona-related cancellation of the insurance claim.“

How is the legal situation if I have posted a more comprehensive insurance package?

Schaarschmidt: "Have you booked an insurance package for your trip, in addition, for example, trip interruption, Travel health or travel baggage insurance, you have good chances to get these costs reimbursed. Because of these additional benefits may not be provided by the insurance, because of the travel. Differently it looks, if you have not completed the insurance is only for the failed trip, but, for example, an annual insurance booked. In the event a return is excluded the requirement if other (from the travel warning of the foreign office are not affected) trip could be targets within an insurance year to be travelled.“

Is the partial reimbursement of the cost of insurance automatically?

Schaarschmidt : "Some consumers have complained to the consumer, that the organizer have not reimbursed these costs. At the Express request of the consumer, the confirmation of the part payment but get. In this respect, we advise you to check whether your reimbursement settlement also includes insurance costs. If not, reclaim this!“

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