iPad lost/stolen at hotel in Bulgaria

peachyprice

shrimper1 wrote: »

I must stay in the wrong hotels or use the wrong tour operator because I have to pay every time in all the holiday hotels I stay in and most are 2 euros a day plus a deposit. Always use them for peace of mind but feel the charge is getting silly

Perhaps this bit in bold is why, if you're staying in hotels whose main business is package holidays?

Certainly staying in non-package resorts/hotels, I haven't been charged for years.

05bar76

photome wrote: »

do you mean with your current supplier or not at all

you would be ill advised not to travel with any insurance

Yeah, I mean not have insurance at all. This is the first year I got insurance and it was only because I was travelling to the USA- obviously healthcare there is expensive and nothing is provided free. Whereas in other countries (as far as I am aware all EU countries provide free emergency care with an EHIC) there is better free provision. In this case I will not be able to claim on my insurance and will have to take the burden of the cost on my self (as the hotel has now refused to provide a replacement or compensation). I think I will be better off in the future taking the risk my self and so "self-insure" I'm likely to be financially better off that way.

pollypenny

Good lord. An iPad is so easily portable, and easy to steal, that I don't understand why you didn't take it with you while you waited for the room to be cleaned.

I don't think you have a leg to stand in with a claim against either hotel or your insurance.

As for not bothering to insure next year, think of the cost of being brought home by ambulance in case if an accident and after treatment with your EHIC card.

FBaby

You're not a very queued in traveller. Why do you think hotels invest in safe boxes? So they have a reason not to pay out for lost items. Why do you think insurance doesn't pay it for items not secured? Because it is the responsibility of the owner to name sure things are safe within the available security.

As for not insuring yourself you might want to read a bit more about it as in what would happen if you need repatriation (say you have a stroke and can't move and need rehab) or worse you pass away whilst abroad.

05bar76

I didn't carry it with me because of the inconvenience. I'm on holiday and there to enjoy myself, I don't want to be carrying it/a bag everywhere I go. I don't think it's fair to say its my fault that it went missing. The hotel admit they have taken possession of all my property against my will and without my knowledge when I had put it where it was supposed to go. During that time that it was in their custody, my iPad went missing and so they have failed to return all the property they took. It is because of this that I think they are responsible.

I haven't recklessly exposed this iPad to theft- it was kept in a bag in my own locked hotel room. I haven't encouraged or incited anyone to take it.

peachyprice

05bar76 wrote: »

I haven't recklessly exposed this iPad to theft- it was kept in a bag in my own locked hotel room. I haven't encouraged or incited anyone to take it.

You chose to keep it 'locked' in a hotel room that dozens of people have access to rather than the allocated safe that only you and the manager had access to.

05bar76

FBaby wrote: »

You're not a very queued in traveller. Why do you think hotels invest in safe boxes? So they have a reason not to pay out for lost items. Why do you think insurance doesn't pay it for items not secured? Because it is the responsibility of the owner to name sure things are safe within the available security.

As for not insuring yourself you might want to read a bit more about it as in what would happen if you need repatriation (say you have a stroke and can't move and need rehab) or worse you pass away whilst abroad.

Insurance companies are private businesses whose aim is to maximise profit for their shareholders. Accordingly, they would prefer not to pay out if they don't have to- in my policy there seems to be at least 100 exclusions where they would not provide cover, eg: if at the time you where to any degree under the influence of alcohol. This is usual for insurance policies and so is a very strong contributing factor for my decision not to get a new policy next year.

The chances of me needing healthcare while abroad for a few days or a few weeks is small and the chance that I need repatriation is tiny. Based on this risk, I think that I would probably be financially better off not paying for travel insurance. FYO I am a healthy lad in my 20's.

callum9999

05bar76 wrote: »

Just checked my insurance policy- it will not cover electricals if at any time they were left unattended. So obviously I'm not covered (and indeed I wouldn't have been even if I'd put them in the safe). I have learnt from this incident though- secure everything in a hotel. However, I will have to disagree with the mentality that if you haven't chained it down or filled the safe with your stuff then you are at fault or are negligent- in my view that is victim blaming and is not the right way to view these things.

I am also very unlikely to renew my travel insurance next year! I will post the outcome of this situation when it is soughted out and thank you for the advice.

I suspect the wording is actually along the lines of "leaving it unsecured and unattended". If something was stolen from a safe then I'm sure you would be covered.

05bar76

peachyprice wrote: »

You chose to keep it 'locked' in a hotel room that dozens of people have access to rather than the allocated safe that only you and the manager had access to.

No, the manager is not the only person with access to the safe. Even the bell-boy can open the locked safe, as I saw him do when later on in the day my grandad had messed up the code setting process on the safe and it needed opening.

callum9999

05bar76 wrote: »

Insurance companies are private businesses whose aim is to maximise profit for their shareholders. Accordingly, they would prefer not to pay out if they don't have to- in my policy there seems to be at least 100 exclusions where they would not provide cover, eg: if at the time you where to any degree under the influence of alcohol. This is usual for insurance policies and so is a very strong contributing factor for my decision not to get a new policy next year.

The chances of me needing healthcare while abroad for a few days or a few weeks is small and the chance that I need repatriation is tiny. Based on this risk, I think that I would probably be financially better off not paying for travel insurance. FYO I am a healthy lad in my 20's.

Without mincing words, that's an utterly stupid decision to take. All the people who have been bankrupted and stranded abroad said the same things before they left without taking out travel insurance... A ridiculous risk to take, especially as you can get it for virtually nothing - free in fact within Europe.