Originally Posted by
TabTraveller
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.
Specialist insurance brokers will often be able to negotiate higher levels of cover for people with high value equipment, but I would imagine for the vast majority of ski travellers £3K/£500K will be sufficient.
No harm at all in claiming from BA/HAL, although I could only see a long drawn out process there.