I agree with Scunner on this. You have to declare at the point of sale otherwise they have the right to cancel the policy. Did they refund you?
I’ve added two new medical conditions prior to coming out here. Both minor but I thought it best to cover all bases. Both times they just added it and didn’t charge extra.
I understand the arguement but why should I get insurance for a medical condition that did not exist at the time I went on holiday.
Yes to refund - £ 4:00
But you said you did at the time of taking out the insurance:
“At that time I had a swelling on the middle finger of my left hand which I did not declare because I felt sure it would clear up before we left.”