Not so good and proper.

Choose your company you book travel insurance very carefully. Me, my wife, brother and sister booked a trip to Europe this past December and we got Santam travel insurance. I have insurance on all my belongings with santam because I thought they are the best and good and proper insurance. When we got to our hotel in Ireland we were told that our accommodation has been cancelled by the booking agency. On further investigation I realized that the agency went bankrupt and closed down without letting us know. We lost our accommodation money in Dublin and Rome. We had to re-book our hotels and pay again. I paid knowing that at least I would be able to claim the money back as I had good travel insurance with Santam. I sent an email to Santam to find out how I should go about logging a claim. To my surprise I recieved a rejection letter from Santam telling me that in the terms it states that I am not covered for if a company closes down and I lose my accommodation. But on the front page it states that I am covering for "cancellation of trip". I was so disappointed that my insurance wasn't good and propper. I lost R16000. If I knew this before hand I would have gone with a different insurer. Be very careful when you take out insurance and read everything. I am now looking at insuring all my assets with another company.