Loss, damage, or theft of personal or business property and money, whilst travelling on holiday, or on a business trip.
The accidental loss or theft of personal and company belongings during holiday or business travel is common place. It is easy for policyholders attention to be distracted during these times of transition and it is then that you are at greatest risk of loss. Typical travel insurance claims involve property stolen or accidentally lost from either the person, from vehicles, or from baggage such as money, jewellery, cameras and portable music players, portable computers, portable telephones, and clothing.
If the accidental loss occurs whilst in the custody of carriers such as airlines, these operators will restrict their liability to minimum amounts laid down in the contract or by protocol.This often leaves you with no alternative but to pursue your accidental loss claim against your own travel or household insurers. Travel Insurers in particular often attempt to put you to a stricter proof of loss. If the claim is submitted to your own household Insurers they will also need to be satisfied you have taken reasonable care in preventing the loss and this is a common argument displayed by insurers to refuse a claim.In Insurance practice there are market guidelines to be used in assessing whether insurers have grounds to repudiate a claim based on the lack of reasonable care. The Claims Consultancy Loss Assessors have a full knowledge of these insurance guidelines and previous case law, and we are therefore well placed to contest any wrong or unfair decision reached by your insurer.
When a policyholder has suffered a loss during travel or transit it is advisable for them to instruct their own loss assessor.The Claims Consultancy Loss Assessors based in London have extensive experience of these types of insurance claims and can act as your advisor and help prepare and provide management of the accidental loss or travel claim through to completion.
We assist all our clients by preparing a schedule of the loss and by negotiating settlement with insurers or their loss adjusters on your behalf.We will act as your specialist consultant and offer guidance to you in obtaining appropriate replacement /repair estimates and valuations where necessary.
Your insurers are may appoint a loss adjuster or claims handler to deal with your claim but this is to protect their own interests.These representative's operate under heavy workloads and your claim cannot be given the focus it deserves. Adjusters and Insurance claims inspectors do not prepare your claim, they adjust the claim you submit. Other expenses may be recoverable of which you are unaware. If you prematurely agree a claim with insurers it may be too late for them to subsequently reconsider additional items.
Travel insurance policy wordings are complex and difficult for a policyholder to understand. An insurer or their representatives have the advantage and will often attempt to construe the wording in their favor. The Claims Consultancy of London understand the policy wordings and have the knowledge and experience to redress the balance and ensure that your travel claim is given the fullest and fairest consideration it deserves.
It is therefore essential that you are represented by your own professional loss assessor as soon as possible after your travel loss is discovered to ensure the claim is properly and accurately presented and you receive the maximum benefit under the policy.
Benefit from of our 25 years of travel loss claims experience.
Call The Claims Consultancy Loss Assessors now ! 07970380111