Lost property covered by two policies

SteveJW

Cross posted on the Insurance thread

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

jackieblack

Claim forms usually ask whether the loss is covered by any other insurance policies. With this information your two insurers will probably negotiate what % each will be liable for.

SteveJW

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

jackieblack

Best possible result