Does travel insurance cover you for accidental damage?

scoobie

Typically, does travel insurance cover you for accidental damage? (I don't have it for my household incidently)

lisyloo

I think you need to give a few more details.

Were you on holiday?
Was it in the UK or not?
If so, did it include air travel?
Were you in any way negligent?
What type of item was it - personal belongings? business equipment?
What kind of money are we talking? (usually there is an excess)
Was it your own property or someone else's?

All those questions are being asked because I think they are relevant.

scoobie

lisyloo wrote:

I think you need to give a few more details.

Were you on holiday?
Was it in the UK or not?
If so, did it include air travel?
Were you in any way negligent?
What type of item was it - personal belongings? business equipment?
What kind of money are we talking? (usually there is an excess)
Was it your own property or someone else's?

All those questions are being asked because I think they are relevant.

Its my mini computer, I dropped it on the screen and it broke. It would cost approx £400 to fix. I was on holiday abroad. I wasn't negligent unless you include the fact that I dropped it! I was indoors at the time, it was just one of those things

maclean2

Hi - typically a travel policy only covers items up to £250.00 per item so check the policy wording to see what limit applies.If the limit per item is less than £400.00 this damage will not be covered.

scoobie

Wow seriously?

I'd interpreted the £250 as being the max amount they would pay out, not the price of the items covered. If you think about it they things you take on holiday, rings , glasses, camcorder are worth more than £250

So if damage is over the limit they won't pay out anything? I'd assumed you'd get the maximum with me being left to pay the balance.

maclean2

The usual cover is up a total of around £1500 but with an individual limit per item of typically £250.00 so your mini computer would not be covered at all.

The best way to cover cameras etc worth more than £250.00 each is to extend your house contents to cover personal belongings away from home.This will generally cover 30 or 60 days abroad per year.Every poilcy is different.Read the small print and ask the insurance company if the policy wording starts doing in your brain !

HTH