Lost property covered by two policies

SteveJW · 12 September 2017 at 10:21AM

Item appears to be covered on our home and holoday insurance (seperate policies)

Arriving home from holiday earlier in the week, my wife discovered she has lost a gold watch (value aprox. £1,000)
She remembers replacing it on her wrist after passing through security at the departure airport
She believes the most probable place it was lost was at baggage reclaim at Leeds Bradford
We have registered on the airlines / airport lost property web site

How do we proceed to claim, don't want to be accused of making a double claim

Thanks in anticipation

Quentin · 12 September 2017 at 11:14AM

Claim against the policy with the lowest excess.

The insurers will sort out this dual cover between themselves

Are you sure your holiday insurance will cover the £1000 watch?? (And the house insurance covers valuables away from home)

SteveJW · 16 September 2017 at 11:38AM

Thanks for the reply, item turned up, it had fallen off her wrist into the bottom of a carrier bag

Travel insurance had words like "Cover for luggage and personal items £2,800" Definately covered by home insurance
Panic over

Lost property covered by two policies

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