Just got back from a bitter-sweet cycling trip in Peru and Bolivia, this post covering the bitter..
Roughly two thirds into the trip, our group of around 16 crossed into Bolivia, and arrived at our hotel accommodation.
We were advised by the hotel and our guide NOT to carry valuable items such as big cameras or even our passports and bank cards around town as there has been cases of foreigners getting robbed for them.
With this in mind, and contrary to the rest of the trip where I had carried this stuff on my person pretty much 24/7, even down to breakfast etc, I left my camera/Man-bag on my bed in our locked hotel room and we all went for an explore of the town and markets etc.
I came back earlier than the group, about 2-3 hours, to find that several of our rooms had, had the locks forced on the doors and lots of our stuff taken.
I personally lost...
DSLR Camera - just shy of £600
Camera filters- £120
Not to mention an 8gb card full of fantastic photos of my trip which is the worst thing about it...
Anyway, my question really is more of a legal one. I have travel insurance cover as part of my subscription bank account although because they do not cover mountain biking, I had to get separate specialist insurance too for the mountain biking part.
Looking into the small print (something so many of us do AFTER we need it) it seems that my bank insurance don't give more than £500 for any one item, which my camera exceeds, and no more than £500 total for 'valuables' anyway, which I'm guessing that all but maybe the gilet would be classed as.
My other specialist insurance is more about medical cover so only gives £100 cover for valuables.
So, from a legal standpoint, does anyone know if it is okay if I were to split my claims between companies to try to minimise my inevitable losses? I've lost just over £800 worth of stuff so obviously want to get back as much as I can.
Any similar experience/advice would be grand cheers.