We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Bag theft, including passports, and insurance - advice needed
Comments
-
mikeylpool wrote: »Hi all and thanks for the advice so far.
Having read over the policy again, whilst I can see the definition of 'unattended' as mentioned by the poster above ('Shaun from Africa'), the policy does not appear to state that unattended baggage is not covered in either the 'What is not covered' for that section or the general exclusions.
Not sure whether this would sway a decision though.
it is stated in the baggage cover, what is not covered section on page 56?
What is not covered
1. Loss or theft of personal belongings
or valuables which you have left
unattendedDoes remembering a time that a certain degree of personal responsibility was more or less standard means that I am officially old?0 -
Hi
Presume you meant p36. Is the baggage section covering replacement and/or claims for personal belongings?
p35 is concerning emergency travel docs so I'm wondering if I can claim for the costs of the emergency travel but not for the replacement passports and camera etc.0 -
mikeylpool wrote: »Hi
Presume you meant p36. Is the baggage section covering replacement and/or claims for personal belongings?
p35 is concerning emergency travel docs so I'm wondering if I can claim for the costs of the emergency travel but not for the replacement passports and camera etc.
page 56 is the page in the document I am looking at from shaun from Africa's post? And there it indicates that unattended belongings are not covered.
I don't think you will have cover (including emergency travel) relating to anything that was stolen while unattended in their definition.Does remembering a time that a certain degree of personal responsibility was more or less standard means that I am officially old?0 -
shaun_from_Africa wrote: »Unattended baggage is not covered for theft and HSBC class baggage left in a car as unattended unless in the boot or other storage area.
http://www.hsbc.co.uk/1/PA_esf-ca-app-content/content/pws/content/personal/pdfs/hsbc-travel-insurance-policy-booklet.pdf
Page 14.
"Property left in a motor vehicle is unattended unless the vehicle is locked and the items have been placed out of view in an enclosed storage compartment, boot or luggage space."
the car was locked.
the luggage was placed out of view in a luggage space, i.e.under the seat.
You may need to be quite assertive on this definition.The questions that get the best answers are the questions that give most detail....0 -
That is the trouble with the word 'reasonable. It is a 'cover-all', but also a 'cover-nothing' definition.I consider myself to be a male feminist. Is that allowed?0
-
mikeylpool wrote: »The bag was partly stuffed under the front seat anyway during the journey.
If the bag was partly visible when the vehicle was unattended (the above doesn't say if the bag was further stuffed under the seat and out of view when they left the car but the OP did say they did not give the bag any thought) I can't see it would be classed as 'out of view'.Does remembering a time that a certain degree of personal responsibility was more or less standard means that I am officially old?0 -
the car was locked.
the luggage was placed out of view in a luggage space, i.e.under the seat.
You may need to be quite assertive on this definition.
Just because it's possible to put luggage under the seat doesn't mean the vehicle manufacturers or the insurance company will accept that it classes as a luggage space.
When referring to storage space inside a car, Ford for example state "behind front row" so the area under the seats is specifically excluded by them.
There is often room available in the engine compartment, so if I put my bag in this "luggage space" and it was damaged by the heat of the engine, would I have a valid claim on my insurance for the damage?0 -
by the same logic it doesnt mean they won'tGeorge_Michael wrote: »Just because it's possible to put luggage under the seat doesn't mean the vehicle manufacturers or the insurance company will accept that it classes as a luggage space.
was it a Ford?George_Michael wrote: »When referring to storage space inside a car, Ford for example state "behind front row" so the area under the seats is specifically excluded by them.
now you're being silly and irrelevant; the subject is theft not damage.George_Michael wrote: »There is often room available in the engine compartment, so if I put my bag in this "luggage space" and it was damaged by the heat of the engine, would I have a valid claim on my insurance for the damage?The questions that get the best answers are the questions that give most detail....0 -
If the bag was partly visible when the vehicle was unattended (the above doesn't say if the bag was further stuffed under the seat and out of view when they left the car but the OP did say they did not give the bag any thought) I can't see it would be classed as 'out of view'.
good point - I had missed the 'partly' bit. That could make all the difference.The questions that get the best answers are the questions that give most detail....0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.5K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.5K Spending & Discounts
- 247.4K Work, Benefits & Business
- 604.2K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards