Travel insurance

“It advises travel insurers on UK and EU legislation, personal liability claims, personal injury cases, jurisdictional issues and international conventions.”

The Legal 500 UK 2014
Blake Morgan have one of the largest dedicated insurance teams acting for major insurers in the travel market, including legal expenses insurers and composite insurers.

Main areas of practice 

We advise travel insurers on all the legal issues protecting consumers covered by UK and European Union legislation as well as personal liability claims, personal injury, jurisdictional issues, and international conventions. Work we undertake for clients includes:

  • Defending claimsBlake Morgan's Travel Insurance team is often instructed to defend claims brought in various jurisdictions around the world, but largely against English policyholders, from the largest multi-national corporation to individual policyholders or the uninsured. We act on and a range of international cases often following accidents such as skiing accidents, road traffic accidents and holiday accidents.
  • Policy disputes - our commercial approach is particularly valuable in policy conflicts because we can give expert advice on the liability of insurers. Whether the issue concerns the duplication of cover, liability for a pre-existing medical condition, or a different matter, we will negotiate assertively in the interests of our client.
  • Subrogated third party recoveries - reimbursing an insurers outlay can make a significant difference to the insurers bottom line. We have developed a process that enables insurers to receive maximum reimbursement with the minimum of inconvenience with specifically tailored schemes for such recovery which have proved very cost effective to insurers. The process we have developed enables us to obtain recoveries from; airlines, household insurer, private medical insurers, European Health Insurance Card (Department of Work & Pensions), third parties where no LEI has been submitted and other insurers.
  • EU motor insurance directive - we also assist insurers in the European Economic Area involved in road accident claims where the victim relies on the EU Motor Insurance Directive. In particular, our lawyers are especially well-placed to provide advice to European insurers where the accident occurred in the UK.

Clients 

We act for some of the major UK legal expenses insurers (LEI) dealing with travel insurance and travel insurers on all the legal issues protecting consumers covered by UK and European Union legislation as well as personal liability claims, personal injury, jurisdictional issues, and international conventions. 

 

Significant experience

Recent examples of ways in which our team have assisted clients include:

  • Advising some of the UK's leading travel insurers on the refusal of EU hospitals to accept the European Health Insurance Card (EHIC) and then charging the insured or insurer for treatment carried out.
  • Advising an insurer and their policy holder in a high profile claim against a New York City taxi company following a serious traffic accident in which the policy holder lost a leg.
  • Advising a client on liability following their declining a claim for medical expenses insurance in Turkey.
  • Advising in McKay V Thomas Cook in a high value claim for a mistake made by the travel agency in a cruise booking.
  • Acting for and insurer client against a travel company in a high value lost and destroyed baggage claim.

Additional expertise 

The team’s multi-lingual skills include all the major European languages, reducing the need for overseas agents, and ensuring quick and accurate communications overseas. Team leader, Daniel Scognamiglio, has dual legal qualifications in the UK and the US, adding to our strengths in claims relating to the US.

Blake Morgan is a member of TAGLaw, a global alliance of law firms. In addition, its lawyers include members of the American Bar Association, Travel and Tourism Lawyers Association, Institute of Travel and Tourism, the Pan European Organisation of Personal Injury Lawyers.

“They're not afraid of taking on difficult work and are good for settlements.”

Chambers UK A Client's Guide to the Legal Profession, 2014

Related expertise

Main contacts

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