Taxis, meals, last minute ticket changes or even hotel nights… The costs associated with the strike can climb quickly. If it is possible to obtain the reimbursement of a ticket from the defaulting carrier (railways, airline, etc.), it is otherwise for additional costs. Should we therefore make a line on these undue expenses? Not at all.
"Very few travelers think about it but bank cards can prove to be a precious ally in these times of strikes because many include incident transport insurance," explains David Dumont, president of Insurly, a new travel insurance comparator. Depending on your card, you can get reimbursed up to 900 euros, ”he says.
Launched just three months ago, the Insurly site has developed a “strike strike” simulator, specially designed to inform internet users about the guarantees included with their bank card. Presented in the form of a drop-down menu, the tool is accessible free of charge from the insurance comparator website. Without the need to register or leave contact details. "Our simulator allows an answer in two clicks," says the business manager, who claims to cover 99.9% of the market.
Very variable reimbursements
You just have to fill in two fields: the name of your bank and the type of bank card used (Visa Classic, MasterCard Gold, etc.). And immediately, the simulator lists each of the reimbursable costs as well as the total amount of reimbursement possible. Thus a customer of the Postal Bank, holder of a Visa Premier card, can benefit in the event of a strike of compensation up to € 400 if no other alternative means of transport is made available by the company. train or plane within four hours of its delay or cancellation.
"The reimbursement also works if you bought the trip for your spouse or your dependent children", specifies the simulator. Please note, this insurance is not included in all cards, especially classic cards. "Quite logically, the more upscale the bank card, the more attractive its coverage," notes David Dumont. Société Générale's Visa Infinite offers, for example, reimbursements of up to € 840, compared to € 900 for the World Elite MasterCard from Crédit Mutuel Arkéa or Fortuneo online bank…
Useful for choosing additional insurance
But do not think that the type of card you have purchased (Visa Premier, MasterCard Gold, etc.) is enough to determine the amount of your compensation. It also depends on your bank. "The reimbursement clauses (delay times, costs incurred) vary according to the establishments and this is what makes our simulator relevant," says the boss of Insurly. Some banks, for example, require payments to be made with the insured card and others do not. Some still extend their guarantees to charter airlines while others exclude them ...
A multitude of cases which required a “tedious work of compilation” of the confession of the entrepreneur even if he is used to juggling data from banks. Compare travel insurance (less than 90 days), the Insurly website already allows you to choose the insurance that best suits your bank card to avoid duplicates.
