Who else still holds the Citibank Free For Life Premier Card?

[Brissy1]

Seems like those interpretations are not correct.

So I just called Allianz a few minutes ago, and asked them if "return overseas travel ticket means an air or cruise ticket departing from and returning to Australia" means both must be on one ticket because of the word "AN", or OK if on separate tickets. (I wanted to use their online form in order to get a written response, but the submit button of their online form doesn't work)

The staff said that, the word "an" means a ticket to come back, it does not say and does not mean one ticket for going and coming. I then asked if I were to fly out on one ticket one airline, come back on a different airline on a different ticket, he said this is OK. I then asked if I take a cruise ship to another country, then fly back on another? He said this is also OK, as I have "an" return ticket to come back.

What you were advised verbally certainly makes practical sense. But it's not their definition, which is in the singular. Hopefully the assessor would also be practical and not use their literal definition as stated. As you say, would be nice in writing.

 

[Chicken]

What you were advised verbally certainly makes practical sense. But it's not their definition, which is in the singular

Actually, I get what that staff member was saying. The keyword was not "AN", but "RETURN".

When you and I read it, the word "return" means going and coming back; but from the way explained and emphasised to me, the word "return" means coming back, only.

I know that we only use Oxford and Macquarie for legal purposes, but both are behind paywall, so if we look at:
- Cambridge: "to come or go back to a previous place", so it's one way, not both ways.
- Collins: "Your return is your arrival back at a place where you had been before." "Ryle explained the reason for his sudden return to London"

So if we were to read 'an air return ticket', that would mean a tix to come back, not going and coming back.

Does that mean we all failed English???

 

[Brissy1]

Actually, I get what that staff member was saying. The keyword was not "AN", but "RETURN".

When you and I read it, the word "return" means going and coming back; but from the way explained and emphasised to me, the word "return" means coming back, only.

I know that we only use Oxford and Macquarie for legal purposes, but both are behind paywall, so if we look at:
- Cambridge: "to come or go back to a previous place", so it's one way, not both ways.
- Collins: "Your return is your arrival back at a place where you had been before." "Ryle explained the reason for his sudden return to London"

So if we were to read 'an air return ticket', that would mean a tix to come back, not going and coming back.

Does that mean we all failed English???

I did consider that definition, i.e. "return" meaning coming back rather than the common airline usage of both ways, but still thought that Citi's definition to include the "and" in their definition..."ticket departing from and returning" (as distinct from "a return ticket") precluded or may preclude that.

It shouldn't be like this but it often is, considering the various t&c updates often issued just to clarify; the t&c authors failing clear English.

 

[MELso]

The key phrase is a lesser known interpretive one before the definitions requiring close reading: “The use of the singular shall also include the use of the plural and vice versa.”

Basically, this has the effect that ‘ticket’ can mean ‘tickets’.

 

[PLANT]

What does chatgpt say

 

[RAM]

What does chatgpt say

Call them to confirm and note who you speak with, time & date...

 

[Brissy1]

The key phrase is a lesser known interpretive one before the definitions requiring close reading: “The use of the singular shall also include the use of the plural and vice versa.”

Basically, this has the effect that ‘ticket’ can mean ‘tickets’.

Good pickup. I'm glad these are Allianz "plain language" contracts Plain Language Contracts launches with certification for Allianz Partners, Youi - Insurance News - insuranceNEWS.com.au

 

[ecst]

Thanks all for your input - Let's put some more context and nuances into this without intending to hijack the Citi FFFL thread.

My hesitation with the definitions of one-way and return tickets were weighted more towards the economic costs of the various tickets.

Let's say we wanted to travel to Finnish Lapland to watch the Northern lights, staying at very nice accomodation and also doing some snow/winter related activities around the region. Put a cost of AUD20-40K total for 2pax for that.

To get there, let's hypothetically say I booked a one-way CX PER-HKG-LHR-HEL-etc and do a SQ return one-way; and to quality for CC insurance, I instead hypothetically pivoted to book a QF PER-SIN-PER return (AUD 2k total) + nested a SQ SIN-Europe-SIN with that booking.

Would we have a leg to stand on, say if a dog sled were to crash requiring an extensive hospital stay in Finland; and instead the CC insurance company insisted their limits of liability was only up (to the return overseas ticket limit) of AUD 2000, ie "tough luck my friend and all the best"? or would it be no holds barred as long as we plebs have booked our travel in compliance with the qualification requirements?

To further push the point, what if it was a AUD 50k, 100k trip, (whatever) across 3-4 months involving several continents, luxury cruises etc (nothing within the exclusions) with the nested PER-SIN-PER to kick it all off?

I must say I don't have too much faith even in stand alone purchased insurance coverage only hope for good luck, good weather and good health...

 

[Chicken]

Would we have a leg to stand on, say if a dog sled were to crash requiring an extensive hospital stay in Finland; and instead the CC insurance company insisted their limits of liability was only up (to the return overseas ticket limit) of AUD 2000, ie "

Where do you get $2000 from? Medical is currently unlimited, reduced to $20m from July. I would think $20 million should be enough to charter a medical flight evacuation?

I must say I don't have too much faith even in stand alone purchased insurance coverage only hope for good luck, good weather and good health...

I have claimed rental car twice no problem, a friend of mine claimed flight cancellation due to typhoon in Asia and also got paid out. So I don't see any reason to worry.