travel insurance compensation
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- You and your wife purchased premium travel policy each.
- You and your wife share ONE huge luggage.
- The T&C of the policy didn't say you can or cannot share a luggage.
- The luggage was mis-direct, delayed and gawd-who-knows-what-happened.
- Insurance firm only paid one policy holder cos only one luggage was checked-in.
What do you peeps think?? Fair?
*I dun think info on compensation is relevant there; and this is not whining so hopefully it will not be moved there.
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so there's the grey area.
too bad.
and since is 1 luggage, u can just declare both ppl's items value.... so still the same wat........ -
sometimes, life just isn't fair..
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So they should pay up until they refined their T&Cs.
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i think it's ok leh.. i mean if me sure dulan.. but they also can't check you share or not ma
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u can spend time and effort to go argue with them.
but then worth it or not? -
Originally posted by tinuviel07:
i think it's ok leh.. i mean if me sure dulan.. but they also can't check you share or not ma
Since it's grey they also cannot proof we didn't. The fact is, they didn't bother to investigate.
And the luggage was lost on route back. So, most people will not throw away clothes oversea and return empty handed right?
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Originally posted by nehpyh:
Since it's grey they also cannot proof we didn't. The fact is, they didn't bother to investigate.
And the luggage was lost on route back. So, most people will not throw away clothes oversea and return empty handed right?
yah.. but do biz.. cut throat one la
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Originally posted by FireIce:
u can spend time and effort to go argue with them.
but then worth it or not?ekkekek...guess the compensation amount comes into play!!!! But we should not go there cos I still think we have a strong case cos there is not airline that allows 2 names to be registered on a single luggage and it wasn't in the T&Cs that we must check in separate luggage. Also, a marriage cert may prove that we are still married and staying together?
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the claim is for loss of luggage and delays rite?
so for the valuation of the luggage, it shd be based on all the items inside.... no need care whose
for the delay, shd be pay out to each policyholder -
Now I finally see the purpose of STOMP!!!!
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u mean stomp?
does stomp help u go get back the money u think u deserve?
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Originally posted by nehpyh:
- You and your wife purchased premium travel policy each.
- You and your wife share ONE huge luggage.
- The T&C of the policy didn't say you can or cannot share a luggage.
- The luggage was mis-direct, delayed and gawd-who-knows-what-happened.
- Insurance firm only paid one policy holder cos only one luggage was checked-in.
What do you peeps think?? Fair?
*I dun think info on compensation is relevant there; and this is not whining so hopefully it will not be moved there.
U lost a luggage...they paid U back for 1 luggage...what's wrong?
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Originally posted by Xcert:
U lost a luggage...they paid U back for 1 luggage...what's wrong?
Hi MSK,
Did you fled Singapore due to hi living cost? lol....
BTT, there is a ceiling for compensation. With our delay, the compensation per day way exceeded the limit. Also, we didn't ask him to compensate the luggage. We ask them to compensate the content of the luggage! That's the diff.
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Originally posted by FireIce:
u mean stomp?
does stomp help u go get back the money u think u deserve?kekeke...if STOMP can get a teacher sacked, why not create enuff pressure?
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Originally posted by nehpyh:
Hi MSK,
Did you fled Singapore due to hi living cost? lol....
BTT, there is a ceiling for compensation. With our delay, the compensation per day way exceeded the limit. Also, we didn't ask him to compensate the luggage. We ask them to compensate the content of the luggage! That's the diff.
What high living cost?got sponsorship one ok...go toilet one time can get 7 rolls of toilet paper...generous sponsor leh...
Its more of opportunity costs that visiting the toilet inspired...and so...jungle is the way to go...
Most importantly...which travel insurance plan did U buy?or from which company?
There would be ceiling for each payable category...if not everyone just buy a lot of policies and get into 1 single incident...then can claim until happy happy liao...underwriters are not stupid...
ok...the contents of the luggage, inside the luggage...the point is to replace U with the value of the contents...whether there are any double policies on the contents itself would be relatively immaterial...idea is...U lost 1 item...U get back 1 item...no such thing as U lost 1 item and claim back 2 just because U bought double policies.
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Originally posted by Xcert:
ok...the contents of the luggage, inside the luggage...the point is to replace U with the value of the contents...whether there are any double policies on the contents itself would be relatively immaterial...idea is...U lost 1 item...U get back 1 item...no such thing as U lost 1 item and claim back 2 just because U bought double policies.
Er...I think if I buy multiple policies, they will pay all back....i.e. I can buy as many policy from different companies and all have to pay....
Now the insurance is beating around the bush trying to siam the grey area no...had to resort to getting my agent to talk to me....told them no way....if T&C dun cover, they jolly well pay.....simple as that....cos when you travel halfway and suddenly pak jian, any policies also kaput.
Eh MSK, you sibei pai tan leh...now I think washing powder $$ all go up...you wanna make bomb also siong la....stupid gold price went up....even aluminium also damn ex....you wanna buy nails??? Better go steal the stainless steel poles at some overhead bridge.
Mai lar....terrorist now pai tan la....better change job fast fast la...before the sub prime tio you....sigh....
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Ah neh, forget it man. Insurance company confirm earn. The only time my family managed to "rip them off" was our trip to Hainan Island. Typhoon came and flight cancelled. So we were delayed by one day. My family of 4 each compensated $400. When we come back SG, one of the luggage was delayed as well. The luggage we manage to claim from insurance company too. Also $400. So total $1000. This is the best we ever did.
And then we realised we were goddamn lucky. The flight was delayed due to weather, so can claim from them. But I heard if it's because the airline themselves cockup or plane got problem cannot fly, insurance won't pay you. They'll ask you go claim from airline company yourself.
Edit: Typo
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I think should pay both policy holders, if both claim for the same one luggage.
Then each entitle 50% only.
LPPL.
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Originally posted by mancha:
I think should pay both policy holders, if both claim for the same one luggage.
Then each entitle 50% only.
LPPL.
Think they paid full for my policy. Since that's settled, they have to pay in full value for another.
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Originally posted by nehpyh:
Think they paid full for my policy. Since that's settled, they have to pay in full value for another.
In theory if they pay full for yours, they should also pay in full for the other policy that the wife has. -
Originally posted by nehpyh:
Er...I think if I buy multiple policies, they will pay all back....i.e. I can buy as many policy from different companies and all have to pay....
Now the insurance is beating around the bush trying to siam the grey area no...had to resort to getting my agent to talk to me....told them no way....if T&C dun cover, they jolly well pay.....simple as that....cos when you travel halfway and suddenly pak jian, any policies also kaput.
Eh MSK, you sibei pai tan leh...now I think washing powder $$ all go up...you wanna make bomb also siong la....stupid gold price went up....even aluminium also damn ex....you wanna buy nails??? Better go steal the stainless steel poles at some overhead bridge.
Mai lar....terrorist now pai tan la....better change job fast fast la...before the sub prime tio you....sigh....
I dont think so...also have to see if the insurance U bought is primary or secondary....meaning if they will pay on top of any current policy on a single incident.Its similar to medical/hospitalisation policies...
But anyway since ur insurance company is getting ur agent to talk to U...meaning there would still be room for negotiation....so just negotiate and see what U can get lor...
no time to make other gadgets...busy sightseeing in the jungle...FYI...its fertilizer...not washing power...
ya lor...now pai tan...become writer better...can write about how to escape from the toilet...people make movie Gone in 60 seconds still need 60 seconds to take a car...so long...49 seconds can get out of a secured facility already...
now the plan is to get out of the island...now rain a lot...lots of jungle mosquitoes...wonder if I should get travel insurance...mmm...haha
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Originally posted by Xcert:
no time to make other gadgets...FYI...its fertilizer...not washing power...
now the plan is to get out of the island...wonder if I should get travel insurance...mmm...haha
Dear MSK,
Do remember to get check in under your name if you wish to claim. But do note that if someone place a bomb/drug in your luggage, you might be accountable for it!!!! lol...
I dun mind coming to a joint-venture with you should you have a plot of land in javaland for paddy farming. Going by the increase in grains, petrol, wheat, maybe coffee soon....I have a great business proposal to share with you