LONG POST ... sorry!
OK, so my husband and I both have Platinum AMEX cards and instead of getting seperate travel insurance for our recent 5 week trip decided to use the insurance that we get 'free' with our cards (despite the fact we pay $295 a year each to have the cards).
Anyway, in LA having lunch and my handbag falls into a water fountain without us noticing until finishing lunch (approx 15 mins later) at which point we discovered my handbag, mobile phone, digital camera and husband's wallet were all soaked & ruined.
We got back, reported to AXA (AMEX insurance providers) and they said to send in the form. Which we did, along with evidence that the goods belonged to us so we ran around getting insurance quotes for the wallet & handbag and sent in receipts for the camera and mobile.
The 1 week later they asked us to send in the damaged goods. Luckily we hadn't thrown them out, so $10 postage later and the goods were posted to the insurance company. Were a bit ****ty that they didn't ask for them straights up, but nonetheless sent them off.
Then today, we received the camera and mobile phone back in the post saying that they could see no evidence of water damage and that we had to go to Nokia and Canon and get them assessed as to whether they could be repaired or had to be replaced. Now am getting really ****ty because it is obvious to us that the items do not work.
So, I took the phone into Nokia who charged me $35 to look at the phone and could quite obviously see that the chip was water damaged and it will take 3-5 days for them to get the assessment back to me. I haven't yet taken the camera in as the service centre is out of my way and I'm meant to do this during business hours.
The insurance claim was for approx $2k worth of goods before depreciation so I guess about $1,500, less approx $250 excess, but all this running around is driving me insane. We are both considering cancelling our AMEX cards due to this experience. Also, we have never ever made a travel insurance claim in our life and we are being treated like scam artists!
Has anyone else ever had the run around from a travel insurance company or is this just normal?
OK, so my husband and I both have Platinum AMEX cards and instead of getting seperate travel insurance for our recent 5 week trip decided to use the insurance that we get 'free' with our cards (despite the fact we pay $295 a year each to have the cards).
Anyway, in LA having lunch and my handbag falls into a water fountain without us noticing until finishing lunch (approx 15 mins later) at which point we discovered my handbag, mobile phone, digital camera and husband's wallet were all soaked & ruined.
We got back, reported to AXA (AMEX insurance providers) and they said to send in the form. Which we did, along with evidence that the goods belonged to us so we ran around getting insurance quotes for the wallet & handbag and sent in receipts for the camera and mobile.
The 1 week later they asked us to send in the damaged goods. Luckily we hadn't thrown them out, so $10 postage later and the goods were posted to the insurance company. Were a bit ****ty that they didn't ask for them straights up, but nonetheless sent them off.
Then today, we received the camera and mobile phone back in the post saying that they could see no evidence of water damage and that we had to go to Nokia and Canon and get them assessed as to whether they could be repaired or had to be replaced. Now am getting really ****ty because it is obvious to us that the items do not work.
So, I took the phone into Nokia who charged me $35 to look at the phone and could quite obviously see that the chip was water damaged and it will take 3-5 days for them to get the assessment back to me. I haven't yet taken the camera in as the service centre is out of my way and I'm meant to do this during business hours.
The insurance claim was for approx $2k worth of goods before depreciation so I guess about $1,500, less approx $250 excess, but all this running around is driving me insane. We are both considering cancelling our AMEX cards due to this experience. Also, we have never ever made a travel insurance claim in our life and we are being treated like scam artists!
Has anyone else ever had the run around from a travel insurance company or is this just normal?