antonio
Unfair treatment & technical loopholes - Claim 4MQYY-CJ44V-INS
I am deeply disappointed with the service provided for my claim 4MQYY-CJ44V-INS. Despite a 116-minute rail delay confirmed by the carrier, XCover is using restrictive interpretations to deny my 'Missed Departure' benefit. Waiting for over 90 days for a partial settlement is unacceptable for a company claiming to be a leader in Insurtech. I have formally requested a Deadlock Letter and I am escalating to the Financial Ombudsman and IVASS. "Update: They sent a standard email asking for 45 more days to investigate a claim opened in January. Total delay so far: 90+ days. Unacceptable. Escalating to IVASS and Ombudsman immediately."
Response from Cover GeniusApr 21, 2026
Hi Antonio, Thank you for sharing your feedback with us. We invite you to carefully check the wording in your XCover Account, which contains a complete list of your XCover Protection inclusions and exclusions. If you remain dissatisfied with the outcome of your claim, you can follow the appeal process outlined in the wording in your XCover Account at www.xcover.com/account. Once again, we appreciate your feedback. Thanks for choosing us, The XCover Team




