Which 政策 to （人命などを）奪う，主張する on abroad?

By This Is Money
Updated: 00:00 BST, 10 September 2000

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When Ronnie and Sandra Lymburn fell 犠牲者 to thieves on a Caribbean beach they consoled themselves with the fact they had 保険 with American 表明する. But they 直面するd bitter 失望 when they （人命などを）奪う，主張するd for more than £1,000 in lost 所持品.

When Ronnie challenged the 決定／判定勝ち（する）, Amex relented, but paid only £221.10.

Ronnie, 58, and Sandra, 51, 結局 設立する satisfaction on their doorstep - by （人命などを）奪う，主張するing on their 世帯 保険. The couple 支払う／賃金 for optional all-危険s cover, also いつかs known as personal 所有／入手s, on their house contents 保険 with Prudential. All-危険s 保険 is designed to cover personal 所持品 anywhere in the world.

The Lymburns, of Charvil, Berkshire, 接触するd the Pru last month, explaining the 詳細（に述べる）s of the 窃盗 and their Amex 支払い（額）. Nine days later, they received a cheque for more than £800, covering the difference between the Amex payout and their total loss.

Ronnie says: 'The 態度 of Prudential was 全く different. They didn't quibble. They just got on with sorting out the （人命などを）奪う，主張する.'

世帯 保険会社s will often 支払う／賃金 for items that go 行方不明の, either at home or abroad. And holidaymakers may 井戸／弁護士席 find that home 保険 is far more generous than specialist travel cover.

Amex said the Lymburns, who work in the 財政上の services 産業, had been negligent in leaving their 所有／入手s unattended, even though they were on a 塀で囲むd 私的な beach 保護するd by 24-hour 安全.

Ronnie says: 'It was the classic holiday 窃盗. I was swimming and Sandra was at the water's 辛勝する／優位. While her 支援する was turned, two lads grabbed our beach 捕らえる、獲得する and made a dash for it.' 証言，証人／目撃するs said two 青年s had climbed the 塀で囲む to the beach and grabbed the first 捕らえる、獲得する they could find.

The Lymburns collected 証言，証人／目撃する 声明s and 報告（する）／憶測d the 窃盗 to police in Barbados.

On their return, Ronnie and Sandra sent Amex the police 報告（する）／憶測 together with proof of 購入（する） and valuatio ns for their stolen 所有物／資産／財産.

The couple have had 年次の travel 保険 with Amex for more than five years. After Amex 認める 義務／負債, the couple discovered that the small print in the 政策 限られた／立憲的な the 最大限 loss for 価値のあるs to £200 per person. It also 許すd the 保険会社 to deduct 10% a year for wear and 涙／ほころび. 'I was really angry at the way we had been 扱う／治療するd,' Ronnie says.

'I was 特に annoyed that American 表明する 主張するd on deducting money for wear and 涙／ほころび on a はしけ and binoculars, both of which are 保証（人）d for life. These things just don't depreciate.'

He has since discovered that Prudential 申し込む／申し出s a travel 追加する-on to its 世帯 cover, which would 支払う／賃金 for 医療の problems abroad or 取り消し losses.

The Lymburns 計画（する） to buy this cover before their next trip and will 取り消す their Amex 政策.

However, one drawback with （人命などを）奪う，主張するing for holiday losses under the personal 所有／入手s 条項 of a 世帯 政策 is the 危険 of losing a no-（人命などを）奪う，主張するs 割引 and 支払う／賃金ing more for house 保険 next time. Amex 拒絶する／低下するd to comment.