I was booked to travel on holiday to Georgia on Ukrainian Air (from London Gatwick to Tbilisi via Kiev). Unfortunately I missed my return flight from Tbilisi to Gatwick due to failure of public transport. My travel insurance which should cover the cost of the new flights that we had to book, has denied my claim by saying that I did not miss the Kiev-Gatwick flight due to failure and that was the 'final part of the return journey to the UK'. Can that be right? There are no direct flights to Tbilisi from London, and if I had made the first part from Tbilisi to Kiev, I would not have had to rebook new flights, as the second part of the journey that was missed would have been covered by the airline (my ticket was booked as one ticket).
I am complaining about this denial, but would like to hear other people's experiences of this clause.