Booked a cruise in August 2017, my family did not receive our luggage at the destination airport and was left without anything for 5 days. Which as you can imagine was a nightmare on a cruise. We came home and put a claim in as according to the platinum cover which we paid for. I was told today that we should have claimed of the airline. This information was given 4 months later. Why sell a policy to be insured for such things to be told this, but apparently its all in the wording. Actually it was my cases that were lost/delayed, not a delayed flight as in section B8 in which the company is claiming. It is safe to say i have an appointment for legal advice tomorrow. I WOULD SUGGEST NO ONE USES THIS COMPANY.