Having failed to get any service from IF's web service or from their shop, or from their phone service which was unavailable we waited to the next day and tried to call their helpline.
Actually i should mention at this point that all phone conversation with IF took place in Finnish just in case you think that language may have been a problem here. And it was "REAL" Finnish not my semicoherent Finnish verbal diaharea. This is thanks to my girlfriend dealing with this :-)
Well in short the content of the phone call was as such. Again we were told:
IF do not pay travel insurance claims when companies go bankrupt.
but the lady asked when we had spoken to the agent so that they could attempt to verify the conversation. We passed this information along. With hope fading that anything would really happen.
Interestingly we were also told that
IF do not manage their emergency number themselves it has been outsourced to Elisa.
Even more alarmingly i thought how can someone who does not work for IF and is handling support for several companies at a time have a detailed enough knowledge of IF's policies so as to be able to give accurate advice. Something that obviously was not given to us. In the case of a real emergency with illness and/or large amounts of money involved would you want to have to trust this kind of service? What choice do you have even if you carry the terms and conditions arround with you? You have no other guarantee than the person on the end of the line that they will pay. In these situations you require a clear yes or no whether payment will be received and you need to be able to trust this.
Obviously based upon this you cannot trust IF's emergency service number!!
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