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.
My recollection was that household contents would also ask you to declare any theft claim, so it would filter through there as well. If it only affects travel policies them th at is better but still didn't tackle the per item limits, etc.