Davids DVC: Rental reimbursement or rescheduling?

[McCrae]

Insurance posts matter when making renters whole is part of the discussion. Dave has taken an unusual course in fixing the problem. Chargeback is a viable alternative to David and the problem. Several post that insurance is also a solution. It is not. I tried to get coverage as I posted before for a trip last JAN at then end of the day, reading the policy the answer was the policy WOULD NOT pay. The cost of the policy then became wasted.

I appreciate the reference to insure and go and will be looking at it later. For now it makes extremely clear that C19 is EXCLUDED from coverage after insure and go declared C19 a "KNOWN EVENT" on the 11th of March. So far they will "CONSIDER" a claim for before they made the declaration. As you can see from the above post there is still a multiple set of fine print hoops to jump through.

Far easier to just ask who, if anyone, actually got paid by an add on insurance policy and who the issuer was.

You just looked at the wrong type of insurance policy. If you look at the link I posted earlier in this thread from the AARP it outlines all of the options available, the article has a link to where you could find insurance that would covers this type of risk.

 

[McCrae]

To much redundant reading, try the actual policy summary. Notice WHO has to cancel the trip to create coverage. And of course, it is not available since there is a chance insurance companies will have to disgorge their fraudulent coverage.

Trip Cancellation for Any Reason

(Trip Cancellation for Any Reason coverage is temporarily unavailable)

Optional Trip Cancellation For Any Reason can reimburse up to 75% of your prepaid, forfeited, non-refundable Trip Cost if you have to cancel.

The reason for your cancellation doesn’t matter, but you will need to meet a few other requirements.
To be eligible for this coverage, make sure:

1. You purchased Trip Cancellation For Any Reason within 24 hours of making initial deposit for your trip.
2. You cancel your trip 48 hours or more before your scheduled departure.
3. You insured all of your nonrefundable trip costs that are subject to cancellation penalties.
4. Your per person trip cost is no more than $10,000.
5. You weren’t disabled from travel when you bought coverage.

Every insurance policy is different. If you don’t like the conditions offered by a policy don’t buy it, get another one.
Full insurance coverage was available.

 

[McCrae]

Please help, what company is the "RIGHT" insurance? Easy to just repeat false incorrect information. What's the name?

5 minutes searching on google will get you an adequate policy.

 

[McCrae]

Assuming Paypal has a "no timeshare rule" only for the US makes little sense to me and I find that highly unlikely. In addition, the majority of his customers are in the US and would be putting a claim through Paypal US. My point is if PP says no timeshares, PP is not likely to protect the renter when it doesn't work out.

And really, are we still talking about the renter having insurance? David's breached the contract when the room was cancelled. The reason for the cancellation is irrelevant since it was NOT cancelled by the renter. David's is responsible to refund they're money and I am confident that once CC companies verify that the goods were not received on the purchase, they will authorize the chargeback. But, we'll just have to wait and see.

David’s is not based in the US and is covered by PayPal rules in Canada. As far as I am aware it is not illegal to use PayPal to pay owners based in the US. Clearly based on the volume of transactions David’s have, PayPal don’t regard it as a problem or they would have stopped it.

 

[suemom2kay]

David’s is not based in the US and is covered by PayPal rules in Canada. As far as I am aware it is not illegal to use PayPal to pay owners based in the US. Clearly based on the volume of transactions David’s have, PayPal don’t regard it as a problem or they would have stopped it.

You are completely missing my point. If the customer aka renter uses PayPal in the US for a timeshare transaction, the customer would likely not be protected because the customer violated PayPal rules. I’m not, nor have you been speaking to David’s using PayPal to pay owners. I’m talking about buyer protection in PayPal. This whole line of conversation is related to your claim that PayPal did not protect renters. Which why would PayPal protect the renter if the renter used PP for a timeshare rental transaction? Let’s try to stay on point here.

 

[dsnymnkyuncle]

You just looked at the wrong type of insurance policy. If you look at the link I posted earlier in this thread from the AARP it outlines all of the options available, the article has a link to where you could find insurance that would covers this type of risk. I underlined the hoops but 'trip cost' is a defned term by policy. The insurance company is not paying for you or anyone to litigate or fight with David or airlines. they are not paying you out and taking your claim.

You are not only wrong you seem to be actively misleading people. There is coverage if you get C19. But not anymore. It is a 'known event'. No coverage. You have to cancel. You, not Disney, not David not the owner.

https://www.aarp.org/travel/travel-tips/safety/info-2020/insurance-coronavirus-coverage.html
"Cancel for any reason” coverage
The only way to be compensated when you need to change or cancel your trip to avoid a high-risk area during a viral outbreak is by purchasing a cancel for any reason (CFAR) benefit with your travel insurance w3policy. CFAR coverage usually adds about 50 percent to the price of a basic policy, which averages 4 percent to 10 percent of a trip’s cost, says Stan Sandberg, cofounder of TravelInsurance.com, a site for comparing and purchasing travel insurance policies. Older travelers, who may be more at risk of health issues, tend to pay at the higher end of that range.
There are eligibility requirements for CFAR coverage: You usually are required to buy it no more than 21 days after paying for your trip. You also can’t cancel any later than 48 hours before your departure, and will only be reimbursed up to 75 percent of your prepaid, nonrefundable trip cost, says Meghan Walch, product manager for InsureMyTrip, another site for comparing and buying travel insurance policies. (Note that states regulate the U.S. travel insurance industry, so policy options vary; New York, for instance, doesn’t allow the sale of CFAR insurance.)

 

[dsnymnkyuncle]

5 minutes searching on google will get you an adequate policy.

Except it will not. Which is proven by your responses instead of proving a name or link. One would assume you knew something about which insurance company provides this based on your comments. yet there is nothing supporting your conclusions

 

[Sandisw]

There seem to be a lot of back and forth regarding insurance. It has been stared several times that some renters have indeed purchased travel insurance and have now found out it will not provide relief. It has also been shared that some CFAR policy will cover and others will not.

Obviously, in normal times, that is wise advice. However, we are veering off topic which is the situation both renters and owners are having..positive and negative,,,with this broker,

Please continue discussing that topic only. Continued posts regarding that will be deleted.

 

[dsnymnkyuncle]

There seem to be a lot of back and forth regarding insurance. It has been stared several times that some renters have indeed purchased travel insurance and have now found out it will not provide relief. It has also been shared that some CFAR policy will cover and others will not.

Obviously, in normal times, that is wise advice. However, we are veering off topic which is the situation both renters and owners are having..positive and negative,,,with this broker,

Please continue discussing that topic only. Continued posts regarding that will be deleted.

Got it.

 

[McCrae]

You are completely missing my point. If the customer aka renter uses PayPal in the US for a timeshare transaction, the customer would likely not be protected because the customer violated PayPal rules. I’m not, nor have you been speaking to David’s using PayPal to pay owners. I’m talking about buyer protection in PayPal. This whole line of conversation is related to your claim that PayPal did not protect renters. Which why would PayPal protect the renter if the renter used PP for a timeshare rental transaction? Let’s try to stay on point here.

Agreed Pay Pal would not protect renter, sorry for my misunderstanding.

 

[suemom2kay]

There seem to be a lot of back and forth regarding insurance. It has been stared several times that some renters have indeed purchased travel insurance and have now found out it will not provide relief. It has also been shared that some CFAR policy will cover and others will not.

Obviously, in normal times, that is wise advice. However, we are veering off topic which is the situation both renters and owners are having..positive and negative,,,with this broker,

Please continue discussing that topic only. Continued posts regarding that will be deleted.

Whoops. Missed this post. I got it now.

 

[wuzzles]

Do anybody know if David's is offering vouchers for the short period when the resorts were open, but the parks weren't? Or is it just for the period when resorts closed down?

 

[LAX]

Please help, what company is the "RIGHT" insurance? Easy to just repeat false incorrect information. What's the name?

**Mods: I realize this is OT, but I appreciate the opportunity to respond to accusation of me "repeating false incorrect information." I will keep it brief.**

Please refer to post#2269, which I discussed different forms of "insurance" available. The bottom line is "insurance" does NOT have to come from an insurance company, so it's a moot point to offer you a company name. ALL renters need to decide what level of protection they need to feel comfortable before making a reservation. If you need the flexibility of a refundable reservation for literally any reason, then book directly with Disney and forgo the discounts you might otherwise enjoy through a nonrefundable DVC rental.

Lastly, let me know if that post contains any factually incorrect information.

LAX

 

[suemom2kay]

Agreed Pay Pal would not protect renter, sorry for my misunderstanding.

It's all good. I think we were talking about 2 different things.

 

[cm8]

Do anybody know if David's is offering vouchers for the short period when the resorts were open, but the parks weren't? Or is it just for the period when resorts closed down?

I’m not David nor do I work for him. As an Owner who rents, if the resort was OPEN but the parks were closed, you would not be entitled to anything. The contract you entered into was for ***Sleeping accommodations *** only.. And as such, you choose not to utilize your stay.

 

[cmrdgrs]

I’m not David nor do I work for him. As an Owner who rents, if the resort was OPEN but the parks were closed, you would not be entitled to anything. The contract you entered into was for ***Sleeping accommodations *** only.. And as such, you choose not to utilize your stay.

However, as I reported earlier in the thread - a good friend of mine was not paid his 30% balance by David when the resort was open and the parks were closed. I do not know what happened in that situation with this renter (and my friend the owner). Didn't make much sense to me.

 

[cm8]

However, as I reported earlier in the thread - a good friend of mine was not paid his 30% balance by David when the resort was open and the parks were closed. I do not know what happened in that situation with this renter (and my friend the owner). Didn't make much sense to me.

I would politely ask for my 30%. That would make David in breach of his own contract. I would post on every social media platform my experience with his company and the lack of response and resolution. There is zero excuse for why he has chosen to keep something that does not belong to him. Your friend should give him a time frame to have the funds paid and then look into what other options are available to get his /her funds. That is not acceptable. Maybe there is some licensing board this can be reported to?

 

[cmrdgrs]

I would politely ask for my 30%. That would make David in breach of his own contract. I would post on every social media platform my experience with his company and the lack of response and resolution. There is zero excuse for why he has chosen to keep something that does not belong to him. Your friend should give him a time frame to have the funds paid and then look into what other options are available to get his /her funds. That is not acceptable. Maybe there is some licensing board this can be reported to?

My friend did and David won't. At least the was how it was left off at the end of March. I think my friend and David are at a stalemate.

 

[CraigInPA]

My friend did and David won't. At least the was how it was left off at the end of March. I think my friend and David are at a stalemate.

A lawsuit isn't worth the effort unless your friend is in Ontario Canada. A "stalemate" when one party unequivocally owes the other and refuses to pay is "theft". But, social media shaming is the great equalizer. Have your friend post his experience in a few places and send the links to David's so they can see how they are being portrayed. Don't threaten, just do it.

 

[foodiddiedoo]

CC Dispute update. My CC issuer has asked me to provide a detailed email showing that my reservation was canceled (I just did a screenshot of Aulani's website showing all reservations will be automatically canceled for DVC) and why I am requesting a dispute (should be obvious, I didn't cancel, I didn't get an product, I paid a considerable chunk of change). I also did a screenshot of the portion of the contract stating that a renter will be due a refund if no suitable accomodations can be given, and the blanket email that said "hey we will get back to you" which they never did after I asked about my reservation being potentially canceled. I made sure to mention that David's is not offering any cash refunds. I didn't say anything about the voucher because I don't want to further complicate matters, and the voucher is an entirely new contract that I did not agree to (still sitting in my inbox being ignored right now). Anyone else hear anything from their CC companies?