We used Post Office insurance as they SHOULD be a reputable company. The cost was sensible, but when we wanted to make a claim (a missed port on a cruise) we discovered they are absolute rubbish. Their contact number keeps saying "use online" and when I eventually got to talk to someone I just got cut off as soon as I said I wanted to make a claim. I logged onto their portal - nowhere to make a claim, you have to register again on a separate site to make a claim, and then enter huge amounts of detail they should already have, before finding "missed port" is not a claim reason on their fixed list of reasons! Awful, obviously specifically aiming to never pay out.

AVOID! AVOID! CRIMINAL COMPANY THAT WILL CRIMINALISE YOU AND RUIN YOUR FINANCIAL RECORD! (Post Office Travel Insurance use Collinson Group for their claims) *THESE ARE PEOPLE WHO MALICIOUSLY DESTROY YOUR FINANCIAL RECORD AND LIFE IF YOU DON'T PLAY THEIR GAMES* My story begins with a simple money claim whilst in Geneva. I submitted all the documents asked for including a police report (which took 6 hours to get because on this night the main police in Geneva was closed) Collinson group then reply from a claims handler named Adbul-Muiz. Further investigations reveal what others have written about here, that indeed they are based in Nigeria/South Africa. Collinson contract their services out to staff in Nigeria! You trust your documents to these people? A country with highest UK targeted fraud in the world. So HERE IS WHERE IT GETS INTERESTING.....The staff in that office ask me for, and I quote "a cell phone bill". We don't call a mobile phone contract, "a cell phone bill"! This was AFTER submitting 2 bank statements from FCS registered UK high street banks! Since when does an insurance company ask for further proof of address if bank statements are not enough? I have been a victim of Identity Theft previously and so I was not happy to provide further proof of address to a office given they already had 2 high street bank statements and a copy of my passport, so I gave then a slimmed down copy of an ID mobile invoice that had been run through Norton Identity Advisor Plus which removes certain data and adds certain 'blurs' so it does not allow someone to use it to open a bank account etc. but is sufficient proof for a company to check address with the company or from credit reference file. NEXT THING I HEAR IS COLLINSON HAVE ADDED A CIFAS MARKER TO MY CREDIT FILE! This marker stops you opening any bank account or getting any financial product for 6 years!!! and will cause all your bank accounts, credit cards etc to be closed!!! COLLINSON GROUP WILL RUIN YOUR LIFE! AVOID! THIS IS A TRUE STORY, CONTACT ME IF YOU WANT FURTHER PROOF. Post Office Claim Ref - 590081 Collinson Complaint Ref - 14546832 *THESE ARE PEOPLE WHO MALICIOUSLY DESTROY YOUR FINANCIAL RECORD AND LIFE IF YOU DON'T PLAY THEIR GAMES*

£125 excess for a £190 claim? Factoring in the premium price, what was the point in this insurance? Customer services are disgusting (promised calls back on multiple occasions which never came, and emails rushed with numerous spelling mistakes) and I'm awaiting the outcome of a complaint before going to the Financial Ombudsman. We'll be using other providers in future.