We were supposed to arrive in Bangkok on 21 November. With the flooding situation there and the UK FCO advising people to travel only if it is essential we decided to cancel.
We checked our travel insurance policy (with the appropriately named Essential Travel Insurance) and it clearly stated that the policy would be void if we ignored FCO advice.I thought that was a clear indication that they used this advice as their yardstick in situations like this.
Imagine my surprise when I contacted them and was told that I was not covered for cancellations that were caused by weather related problems. This means that on the one hand they are telling people that they should obey the FCO advice and on the other they are saying that if you do so you will not be covered.
What a despicable way to treat customers.