I paid for holiday insurance last year for a river cruise for my wife and I, we answered all the health questions and paid the premium. My mother in law went into renal failure and came to live with us. I claimed and they said I hadn't taken out their cruise premium so would not pay. I pointed out that in their brochure it determined a cruise as a sea voyage lasting more than 24 hours. They agreed this was wrong but then declined the claim for a second time on the basis that my mother in law had a pre-existing condition with her kidneys. The insurance was for holiday cover for my wife and I, not the complete medical history of a 95 year old who had a kidney problem but had lived independently prior to a fall and subsequent health check. I took it to the ombudsman (funded by insurers) who agreed the original finding was wrong but accepted the insurers were in the right due to her health. I lost £3200. Thanks Admiral. Never again. Two bites at the cherry to decline a claim when I proved you wrong the first time.