Nationwide Aviva Travel insurance - impossible terms

pochisoldi

400ixl said:

As for personal items, if they are of value as independent items I would most likely have some level of proof for my home insurance. Usually some form of receipt, be it an email receipt or a scan / phot of a physical receipt (because they can fade before even the warranty expires).

In no way would I expect to have to produce receipts for my underwear in the suitcase, and neither would the insurer. Take it with an expectation of having to be able to provide reasonable proof and you should be ok.

Anyone making a belongings claim on their travel insurance will be asked to provide their contents insurer's details, and the first thing the travel insurer will do is put a claim though the policyholder's home insurance.
I had this years ago - lived in a secure 2nd floor flat with next to no possessions and no contents insurance. Travel insurer queried the details when I left the contents insurer's section blank, and then paid up within weeks without further fuss when told them why it was blank.... 

jimjames

helibird said:

 How do you prove ownership and value of money. 

If you're claiming for £10,000 of stolen currency but can't provide any receipts for getting it changed from GBP then they'd have a fair question to be asking. I imagine some cash claims are exaggerated or fictitious so asking for proof of the funds is reasonable for most cases.