Travel Insurance Claim: My Camera Was Damaged

Good morning, Harbour Travel Insurance. How can I help?

Hi, I'd like to make a claim, please.

My camera was damaged while I was abroad.

Oh, I'm sorry to hear that. What happened exactly?

Well, I was on a boat trip around the islands,

and a huge wave soaked everything on deck.

Ugh, the camera won't even switch on now.

That sounds awful. Was it in a waterproof bag?

No, it was round my neck. I was taking photos.

Okay. Did you report it to anyone at the time?

Um, I told the boat crew, but that's about it.

Right. We need an incident report from the police or operator.

Without one, your claim could be rejected.

Oh no. I didn't realise that was necessary.

Don't worry, you can still request one by email.

We'll also need the original receipt for the camera.

I've got that. I bought it online last year.

Perfect. And photos of the damage would really help.

Great. So how much will I actually get back?

Well... your policy has an excess of two hundred pounds.

Sorry, two hundred pounds? Nobody mentioned that!

I'm afraid it's in the small print of your policy.

Ugh. The camera only cost about six hundred.

I understand. So you'd still receive around four hundred,

minus a little for wear and tear, depending on its age.

Hmm, okay. That's better than nothing, I suppose.

So what should I do next, exactly?

Send the report, receipt and photos through our website.

We usually process claims within ten working days.

Brilliant. And next time, I'm buying a waterproof case!

Ha, good idea! Thanks for calling, and good luck.