Traveler's Insurance - stolen items
Replies: 21 - Last Post: May 7, 2012 9:18 AM Last Post By: squidstrips
May 5, 2012 7:20 PM
Traveler's Insurance - stolen itemsEveryone,
I had the unfortunate experience of being robbed in Bangkok of my Wallet and IPHONE 4s (I learned the hard way to be more distrustful). I do have travel insurance from World Nomad's and it does seem like it would cover this. I have two main questions about the coverage though.
1) I bought my phone at a sprint store 2 months ago but I am not positive I have the original receipt. If I can get an invoice from the sprint store would that likely be appropriate? All they likely need is a proof of purchasing it correct?
2) I am looking to buy a new cell phone. Preferably I would like to buy another Iphone 4s. If I bought an Iphone 4s at Siam Paragon, kept the receipts, etc. would this also be covered by the insurance? I will be more careful this time, but I would not want to risk losing $500.
May 5, 2012 8:30 PM
1Did you get a stamped and certified Police report within 24 hours of the incident? Without one you have no chance of having a claim paid.
Depends how you were robbed. They'll differentiate between getting bashed in a dark soi or having stuff lifted by a "visitor" whilst you were in the shower? Did you take out high value single item additional premium?
I don't think you'll get past the "original receipt" provision. Proof of purchase will most likely extend to showing a credit card item that matches the phone shop receipt. They know and I know (and you know) that if you could go to a phone shop and get a receipt printed out then everybody would be doing it - getting new phones and laptops mid-trip.
I don't question your honesty, but Nomads will if you can't fulful their claim requirements without seeming to be devious. They will ask for very detailed circumstances if they feel the need to - it's what you signed to/clicked on when you accepted the policy conditions.
Good luck - maybe you'll let us know how you go?
May 5, 2012 9:02 PM
2I did get a police report. I suppose the circumstances of the loss may be an issue as it is someone that I invited into my condo that im 99% sure took it. I did read through the exclusions list and that does not seem to be listed there though. With that said the people at the police station did not speak really good english so I am not entirely sure what they wrote in the report.
We will see. You are right that it would be sketchy if I bought another iphone and lost it. I will just buy a cheap blackberry to tide me over until I return to the states.
May 5, 2012 9:04 PM
May 5, 2012 9:15 PM
4Well, so many of us have been through THAT scenario at some stage or other! You must HIDE everything or SHOWER TOGETHER and don't leave them alone at all!
If you tell the insurer accurately about the circumstances (and they will ask on the claim) they may get out from under by asserting that you should have taken steps to make your items more secure. Work through the gaps in what I just said!
May 5, 2012 9:18 PM
If you're anywhere near Tourist Police, pop in and ask them to tell you what it says, or find a travel agent or hotel staff who can translate for you. I think it's important to know how it's slanted before you claim!
May 5, 2012 9:19 PM
6My wife had her purse stolen in Portugal. It was hanging on the back of her chair at a nice restaurant. Not smart on her part, but they paid up!
May 5, 2012 11:27 PM
May 5, 2012 11:30 PM
May 6, 2012 2:26 AM
9^^ use the safe in the wardrobe - though often they are broken
tuck stuff away in a not obvious place
don't keep everything together
don't keep any valuables in your suitcase
most of all - use BB's sound advice SHOWER TOGETHER and don't leave them alone at all
and if it won't cause embarrassment (ie you're not married) tell the insurance company the truth
personally I have never lost anything and I suspect for two reasons: 1) I never use a hotel without inspecting the room and checking it has a room safe and 2) I've been pretty lucky
May 6, 2012 2:30 AM
May 6, 2012 2:46 AM
May 6, 2012 2:56 AM
12Be glad they didnt nick your new $950 suit as well!
May 6, 2012 3:13 AM
May 6, 2012 6:14 AM
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