Proof of ownership - travel insurance

thrifty_pete

I'm off on Holiday for 3 weeks with the freebie Nationwide Europeaninsurance. I am borrowing my brother's camera, which was worth £300 new, butnow worth about £100, and my old laptop, which is now worth about £100, or youcould buy a new equivalent for £250. Will the £400 valuables Limits be enough?Also proof of ownership is impossible as the camera isn't mine and the laptopis so old I don’t have the receipt.
Does anyone have experience of making a claim in these circumstances? Orwill I just have to take it on the chin if I'm unlucky enough to have themstolen?

Pete

huckster

You will have to think about the total of your belongings that you are taking with. Have a full read of the policy and if you are still in doubt, give them them a call to find out. When you add on a mobile phone and all the other luggage you are taking with you, it would not surprise me if the total exceeded the personal possessions claims limit.

InsideInsurance

You also need to check if it is a new for old or indemnity policy. If it is indemnity then you simply get the items secondhand value.

If its new for old then the limit is too low and that assumes you have no watches, sun glasses, mobiles etc.

Travel insurance is mainly about the medical cover and a slight secondary on cancellation etc. Baggage cover is rarely sufficient for most but people can normally use the Personal Possessions cover of their Home insurance