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I have found out that I inadvertently hold 2 seperate Travel Insurance policies. Having just returned from holiday where my luggage was ransacked in transit and items stolen can I make claims on both or just the one? (Think I know the answer but would like confirmation please - can the confirmation also be validated please and not just opinion)
You are better off claiming on one and certainly could not claim on both unless you were declaring to both parties that there was another insurance policy so they would share the liability. You are likely to get less if you do this as they will both argue they are liable for less than 50% each!
If you tried to claim on both without disclosing this fact then you could be convicted of fraud. This could end up with you being refused insurance in the future - not to mention the criminal record you would get as well!
kevbedpub
Just one
welcome news
You can make claims on both policies - subject to the policy limit on baggage i.e. valuables/ single article and the excess.
If both policies cover the full amount stolen then in theory they should pay half the claim each. (Insurance Principle: Contribution). If the total amount claimed is more than any one policy then they will pay their proportionate share. If the total amount is more than the total cover then each will pay the policy limit. (Insurance Principle: average)
If the loss is £1000 then you can't claim £1000 on each policy (Insurance principle: indemnity) and make a profit.
Silke
You can't claim for the full amount on both. If any one policy knew there was another they'd probably want it split 50/50 or the like.
sunshine
Just the one, if you are found to be claiming on both then your insurers are entitled to declare the claim null and void and you could be investigated for fraud.
Scouse
You can not get more than you lost that is fraud. I suppose if you think you can get away with it you put in two claims but I would advise against it. I think you should claim on both notifying each company of the other insurance. they will pay proportionately if they think your claim is genuine. Alternatively claim from one and tell them about the other and let them fight it out.
alatoruk
just one. the insurance companies share information to stop this sort of thing happening. in fact you are more likely to have them each tell you to claim off the other and you get nothing !!!
marine42
It makes sense that one is primary and the second is secondary. If one pays you can be sure the other one will
look to the other for participation. When you file you just have to give full disclosure.
Only an "old mans' OPINION
"
saberhilt
File with the one with the lowest deductible. if that has a sublimit for a particular item, you might be able to go to the other policy and gat more for that particular item.
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