TRAVEL INSURANCE UPDATE: My wife was on a flight from London to Rome when she accidentally left her purse on the plane. After realizing it was missing, we filed a police report and submitted a lost item report with the airline. Unfortunately, after two weeks, the airline declared it lost, and I suspect it may have been taken by someone—possibly another passenger or the cleaning staff.
We have travel insurance and have initiated a claim. The insurance company has been proactive in reaching out for additional information, including receipts and both the police and airline reports. I have a phone call scheduled with them soon to discuss the claim.
However, I’m becoming concerned as I’ve noticed in their documentation that they might assert that the item was left unattended. Is it standard for insurance companies to request this level of detail before making a decision instead of outright denying the claim? What are my chances of a successful resolution in this situation?
It’s quite common for insurance companies to request additional information when processing claims, especially in situations involving lost items. They often need to assess the circumstances surrounding the loss to determine whether it falls under the coverage provided by your policy. Requests for things like receipts, police reports, and airline notifications are standard procedures.
Regarding your concern about the claim being denied due to unattended items, it ultimately depends on the specific terms and conditions of your travel insurance policy. Most policies have clauses regarding unattended belongings, but many also make exceptions for lost items on public transportation, including planes.
During your phone call with the insurance company, be honest and provide all requested information. Emphasize that you took immediate steps to report the loss and that it was declared lost by the airline, which could support your case.
While I can’t predict the outcome of your claim, showing that you’ve followed proper procedures can strengthen your position. If you feel uncertain, reviewing your policy details or consulting with a legal advisor might help clarify your rights and improve your chances. Good luck!