Tobias-UK

Amex also asks the question, I've just claimed for emergency dental treatment and that was one of the first questions after providing my personal details. I've not been asked that question for a travel insurance quote though ... so no suggestion of a careless traveller premium

Oxon Flyer

Thanks for the update. ^

Just for the record, as the core purpose of the thread has been rather drowned by the extensive riffing over 'having uber-expensive stuff and taking it on planes', what is the limit of liability ?

LondonElite

XDR 1,131, or about GBP 1,218 today.

SchmeckFlyer

The purpose of insurance is to cover expenses for unforeseen circumstances and/or events, and to a certain extent to prevent (unmanageable) financial loss. In this instance it was a scuba watch rated to 200m; normally I never dive with it, but i had forgotten to take it off. Life happens. Not going to apologise. Claiming this is an "irresponsible" act is pure theatre and ridiculous. I am insured specifically for winter sports and scuba diving while traveling, and my bank had zero qualms accepting my claim.

And bringing something of value onboard an aircraft is hardly irresponsible. Otherwise anybody wearing a nice tailored suit or carrying an iPad would be considered irresponsible. Me thinks not. You're welcome.

Steve in Olympia

Yes, of course, taking an iPad onto a plane is completely equivalent to bringing an £8k Hermes purse. My apologies for suggesting otherwise! You are completely justified in expecting the traveling public to absorb your loss. Thank you for setting us straight on this. Entitlement is a wonderful thing.

LTN Phobia

It should have withstood the water in that case, better than any human body. IMO, you had every right to forget to take it off (after all it was designed for it. Give it its proper use!), and you had every right to claim on your insurance.

It wasn't as if you took your Birkin diving (I don't think Birkin comes in waterproof versions yet)

Or that you somehow managed to chuck it out of a BA 777 at 60,000 (!!) ft .

A lot of travel insurance policies have a single item limit unless otherwise specified and extra premium paid for a specified item. It's not really the travelling public accepting the risk, and BA along with most carriers limit their liability to a certain number of special drawing rights (XDR, or SDR as sometimes known) as was the case with the OP with BA paying up to the specified limit of liability.

We probably are best not to venture into what things we do cost the travelling public - or we could end up arguing that every claim of EC261 adds to the travelling public's expenses by raising the fares to cover that expense, which is an entirely separate matter of course...

1010101

Not a good comparison. Scuba watches are built and advertised as being for that purpose. Some people buy them specifically for it. Of course insurance should cover it.

To me it makes less sense to see people wearing them as a fashion statement and never taking them anywhere near water.

Steve in Olympia

Instead of raising everyone's insurance premiums because your scuba watch leaked water, a warranty claim against the manufacturer would be more appropriate.

Unless the watch had only a 14-day warranty...... in which case, you should have left it at home.

Dave Noble

Why? having paid for insurance and having an event that is covered by the insurance, why should someone try elsewhere

If it is something that would be covered by the manufacturer, the insurance company will be able to reclaim its costs from there

Tobias-UK

Because it may may not be covered under the policy - it appears to be a manufacturing defect ergo the retailer/manufacturer is responsible.

Calchas

The insurance company acquires the rights that the injured person has through a mechanism called subrogation. Essentially the insurance company can stand in his shoes and claim against the person who caused the loss. [But this is not the same as buying second hand shoes ]

If there is a claim to be made against the manufacturer, the insurer will make it.

Dave Noble

If the insurance doesn't pay out, then the person can still contact the manufacturer

I am lost on what this has at all to do with BA

LondonElite

LTN Phobia

The thread has run its course and since the OP has confirmed the outcome, perhaps it is time to close the thread to avoid further drifts into the abyss (?) for the diving watch, Birkin, iPad or whatever the object may be.

LTN Phobia
Moderator: BA forum