Originally Posted by
simons1
Yes, although in my experience it makes little difference to the premium. I had a bag missing/stolen on Oman Air 2 years back, I claimed about £1,600 and the premium went up by about £10.
Surely that is the purpose of insurance though. Why would I spend hours being given the runaround by BA when a single call to my insurer gets the job done immediately.
Armed with the PIR the insurer will claim part of it back from BA anyway, I would imagine there is some settlement methodology in place.
Well I guess the point is that if my ski bag gets nicked there is probably around £5k worth of equipment in there. This is the only bag I ever check because it is simply impossible to carry in the cabin. No travel insurance will cover all of this cost. I have about as good insurance as I could find and it has a £500 single item limit and £3k overall. Which means I'd go to my householder insurer for the rest and then I am likely to have to pay increased premiums on my home insurance because I'll be marked as having suffered a theft. All because BA/HAL don't wish to pay for someone to check that the right person has left with the right bag...
I'd absolutely be claiming it in full from BA. I rather suspect a DJ would side with the consumer on this.