The Penningtons Manches Cooper travel law team provides a full service offering to the travel insurance industry in this complex and ever-changing area of law. With over 30 years of experience, we are relied upon as a trusted adviser by a number of high-profile travel insurers, underwriters, Lloyds syndicates, intermediaries and assistance companies.

Recognised travel insurance industry experts

Our expertise is valued by various well-established travel insurers for whom we act as panel solicitors. We are instructed to represent their policyholders if they are involved in an accident abroad, both in a claimant and a defendant capacity. Our insurer clients also see us as a go-to adviser on a wide range of other legal issues impacting the travel insurance industry, engaging us to advise on policy wordings, the new consumer duty, dual insurance, coverage disputes, regulatory law and fraud.

We also appreciate the importance of insurance recoveries and have created insurer-focused schemes for travel insurers to reduce leakage. In one such case, we succeeded in recovering over $500,000 of medical outlay resulting from a high-profile helicopter crash in the US.

When handling travel insurance disputes, we work closely with colleagues across the firm who form part of the wider insurance and reinsurance group. The far-reaching expertise in our UK offices is replicated throughout our overseas network. From our bases in Spain, France, Greece and Singapore, we are often instructed on insurance issues that have an English law aspect, but also an international dimension. Such issues may be complex because they involve cross-border disputes or issues touching two or more systems of law or regulation.

Understanding and approachable offering flexible, efficient and practical solutions. An expert in their field.

David Nash, Allianz Legal Protection

Our bilingual teams of insurance lawyers in each of our overseas locations are able to give specialist advice in English, thereby enabling UK-based clients to communicate with them directly. As a member firm of both Multilaw and the European Law Group, we can also call upon other member firms and their lawyers around the world for additional assistance to complement the legal expertise in our established offices.

How we help our clients

Legal expenses and personal liability claims

Recovery of insurance outlays against negligent third parties

Pre-existing non-disclosure and alleged fraud

Contributions and double insurance and declination of cover for medical expenses

Debt recovery claims pursued by foreign hospitals

Coverage and indemnity issues

Advice on policy wordings

Cost containment and reinsurance disputes

Sale of travel insurance in the EU/US

General Data Protection Regulation compliance

Recent work highlights

Outlay recovery following helicopter crash

Recovering a UK travel insurer’s medical and repatriation outlay in excess of $500,000 following a high-profile helicopter crash in the US, involving several of its policyholders.

Dual insurance and contribution claims

Acting for a travel insurer to defend a claim for damages for catastrophic injury resulting from a ski accident, which occurred during the course of a ski lesson on a school trip.

Fraud and non-disclosure

Being retained by a UK private health insurer to investigate a claim by a policyholder for the cost of medical treatment and surgery in the US, following a cancer diagnosis. Our enquiries revealed that the policyholder should have relied on NHS treatment instead.

Defence of €1 million claim after chalet fire

Working with our French lawyers to successfully defend a claim in court, where our insurer client’s policyholder was sued for damages when their ski chalet burn down during their stay.

Lloyds syndicate claim linked to music tour

Defending a claim on behalf of a Lloyds syndicate arising from damage to a hotel during a band tour to the US, when a band member activated the hotel sprinkler system. The claim involved coverage, dual insurance and contribution issues.

Damages following French motorway crash

Recovering a travel insurer’s outlay in full and damages of £14.5 million for its insured, who was rendered tetraplegic following a road traffic accident in France. The claim was initiated in the English High Court and subject to French law.

High value skiing accident claim after school trip

Acting for a travel insurer on the defence of a multi-million pound claim for damages resulting from a ski accident on a school trip. The case involves several insurers and a coverage dispute arising from dual insurance.

Contested US medical expenses case

Advising an insurer client on disputes arising from pre-existing non-disclosure, alleged fraud, contribution and double insurance, and declination of cover for medical expenses relating to medical treatment in the US.

High value skiing accident claim after school trip

Acting for a travel insurer on the defence of a multi-million pound claim for damages resulting from a ski accident on a school trip. The case involves several insurers and a coverage dispute arising from dual insurance.

Contested US medical expenses case

Advising an insurer client on disputes arising from pre-existing non-disclosure, alleged fraud, contribution and double insurance, and declination of cover for medical expenses relating to medical treatment in the US.

Case studies

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