I made a flight booking from LHR to FCO to AUH to ICN several months ago. This ended up being changed to LHR-AUH-ICN. Between the time I booked my flight and the day of travel, I was sent several emails from the agent saying the airline had changed the times and dates of the flight.
About a week before departure I called the agent to see how to check in and they said to do it online up to 30 hours before. When they tried to verbally confirm my flights, they got it wrong but when I corrected them saying the flights had changed they looked deeper into the booking, and discovered that I was correct.
Fast-forward to the day of departure when I got to the airport. Although the check-in desk could see that I had a mostly valid booking, they couldn't see the check-in details for the first leg of the ticket. I assume that this means that they couldn't see my name on the passenger manifest for the first leg of the outward flight from LHR to AUH and they said I needed to contact the agent to sort this out.
Shocked, I tried to call the agent but I was put in a queue of indeterminate length and on their website it said that the phone lines were open from 8 am, which would have been too late to check in.
I was forced into a decision of either paying a change fee and an administrative fee totalling £492.21 or not fly. I was assured by the airline check-in desk that this was the agent's fault.
I asked them to put this in an email as evidence that I could use to claim a refund but they refused, although they did send me receipts for the various flight changes that had been made, which culminated in a change of the outward date from 26 to 27th March, and an interim stop in FCO, followed by a 15-hour layover in Abu Dhabi, changed into a later flight from LHR straight to Abu Dhabi the day after with no stop in Rome.
In all these changes, the initial part of my flight booking was lost in the system and they couldn't see my first flight from Heathrow.
A few days later after getting nowhere with 2 emails that produced identical stock replies saying the airline had taken over my booking and that they no longer had the data, I finally got to speak to someone on the phone. The agent said that each time the flight was changed it was my responsibility to update my e-ticket.
Even though the changes came from the agent's email address I was told that these were airline changes not agent changes and that they were being passed on through their email system, I still needed to advise the agent about the changes therefore updating my e-ticket.
It then became farcical when the agent who I told that I had spoken to both the agent and the airline before the flight but this error hadn't been picked up (and obviously I wouldn't know what their systems showed or didn't show). When I insisted that had spoken to the agent he said that unless I had an audio recording rather than just a phone record with number dialled, date and time and duration of phone calls then there was no way I could prove that I had confirmed the flight changed with the agent!
The agent then said that although he could send me an application form to apply for a refund as I hadn't complied with the terms and conditions by updating my e-ticket, he couldn't say whether I would be refunded £5 or anything up to the full amount. At this point, feeling so indignant, I perhaps said the wrong thing and said we will start with that and if there is a shortfall I will try travel insurance to reclaim any remainder. This seemed to dissuade him, and he said try insurance first then come back to us once you have exhausted all other opportunities of getting refunded. I don't think he ever sent the refund application form.
What is my next move? Who is to blame and who should I seek a refund from airline/agent or insurance? I know I have insurance but I don't know if it covers this precise eventuality.