-Andy Pandy

"Martin" <[email protected]> wrote in message
news[email protected]...
> >> >It's not 'really necessary' (although many people trying to sell
> >> >insurance will tell you is!). You may find your house insurance
> >> >covers you for things like theft of property (mine does provided
> >it's
> >> >from a locked building). Things like the airline losing your
> >luggage
> >> >are the liability of the airline,
> >>
> >> Their liability is severely limited by the Warsaw Treaty.
> >
> >To how much? It's a reasonable amount IIRC.
>
> It is a totally unreasonably small amount. Read the last IATA
airline ticket you
> had.

I get e-tickets now.

Anyway: http://en.wikipedia.org/wiki/Warsaw_Convention explains it.

About EUR 20 per kg of checked luggage and about EUR 375 per person
for hand luggage. Not that unreasonable, I doubt our luggage is worth
much more than that (certainly not by enough to justify paying for
travel insurance).

--
Andy

-Andy Pandy

"Jan" <[email protected]> wrote in message
news:[email protected] ups.com...
> If you check-it in, I am not
> convinced that the insurance-company will cover the loss as the
> checked-in laggage is not locked (it is forbidden to lock it when
> flying).

Since when? I always lock my luggage (not that it couldn't easily be
picked, but it never has been).

Some airports offer a service where they wrap your luggage in some
sort of cling film like stuff (but presumably a lot stronger). Why
would they do that if it's not allowed to 'lock' your luggage?

--
Andy

Tim.....

"Martin" <[email protected]> wrote in message
news[email protected]...
> On Tue, 14 Aug 2007 09:57:04 +0100, "Andy Pandy"
> <[email protected]> wrote:
>
>>
>>"Martin" <[email protected]> wrote in message
>>news:[email protected]. ..
>> >>
>>> >> I'll shortly be flying to N. Ireland from England for a weeks
>>> >holiday
>>> >> with 3 other members of my family. My question is, is it really
>>> >> necessary to bother booking Travel Insurance for a holiday like
>>this
>>> >> with the UK? The only reason I can think of to need it would be
>>> >cover
>>> >> for cancellation.
>>> >
>>> >It's not 'really necessary' (although many people trying to sell
>>> >insurance will tell you is!). You may find your house insurance
>>> >covers you for things like theft of property (mine does provided
>>it's
>>> >from a locked building). Things like the airline losing your
>>luggage
>>> >are the liability of the airline,
>>>
>>> Their liability is severely limited by the Warsaw Treaty.
>>
>>To how much? It's a reasonable amount IIRC.
>
> It is a totally unreasonably small amount. Read the last IATA airline
> ticket you
> had.

It has recently increased to a 'reasonable' amount.

Not enough to cover designer wear or camers etc, but
I don't have any of the former and I would never ever
check the latter. TBH the most expensive part of my
checked luggage is the bag (at 49 GBP IIRC), anything
of any value goes in my carry on.

tim

-Andy Pandy

"David Horne, _the_ chancellor (*)" <[email protected]> wrote in
message news:1i2ty65.2bd7vp1igzqyqN%[email protected]...
> > It's not 'really necessary' (although many people trying to sell
> > insurance will tell you is!). You may find your house insurance
> > covers you for things like theft of property (mine does provided
it's
> > from a locked building). Things like the airline losing your
luggage
> > are the liability of the airline, or the ferry company damaging
your
> > car etc.
> >
> > I never see the need to insure for cancellation - if you cancel
you
> > are not going to be worse off financially than if you actually
went on
> > the holiday! You just lose the holiday. You may as well insure
against
> > having a crap holiday!
> >
> > I've travelled all over Europe with no travel insurance for the
last
> > few years (although I do have medical cover through my company
> > policy - you won't need that for NI).
>
> A long while back, some friends of my parents went to NI on holiday,
and
> the husband died while there. The wife decided to have him cremated
> there, as they couldn't afford the cost of transporting the body
back to
> Scotland. A bit of a miserable story, and the chances of dying on
> holiday are extremely low, but that's one area where insurance could
be
> handy...

Indeed - there are lots of cases where insurance would pay out, but
over a lifetime of frequent travelling, you'd be far more likely to
pay more in insurance than you'd claim for losses, even if you did
suffer a few minor losses. Personally I would only ever bother
insuring against major losses, such as medical costs outside the EHIC
area, repatriation from places with poor medical facilities etc.

--
Andy

Tim.....

"Martin" <[email protected]> wrote in message
news:[email protected]...
> On Tue, 14 Aug 2007 02:12:07 -0700, Jan <[email protected]> wrote:
>
>>On Aug 14, 11:02 am, Martin <[email protected]> wrote:
>>> On Tue, 14 Aug 2007 09:57:04 +0100, "Andy Pandy"
>>
>>> It is a totally unreasonably small amount. Read the last IATA airline
>>> ticket you
>>> had.
>>
>>49 out of 50 times your checked-in luggage will be dalayed (for a
>>short or long period of time) not lost, so it is few instances when
>>this insurance for loss will be relevant.
>>
>>2nd you should try to avoid packing things that you can not afford to
>>loose, meaning putting its value as close to the cost of the insurance
>>plus the cost of exersicing it as possible. If you simply have to
>>bring your diamond-jewelry, it could be a good ide to put it in your
>>hand-luggage so you avoid problems. If you check-it in, I am not
>>convinced that the insurance-company will cover the loss as the
>>checked-in laggage is not locked (it is forbidden to lock it when
>>flying).
>>
>>Conclusion: As before - you allways need to plan ahead to avoid
>>problems. Then there are some speical instances when a travel
>>insurance come handy. Last, it does not cost that much anyway. If you
>>buy one you can choose is you wnat to use it
>
> I have travelled by air frequently for more than 40 years. I always check
> in my
> luggage. Despite most of my flights being via the most frequent winner of
> most
> lost luggage in the world airline and airport, I have never lost anything
> permanently, nor have I ever bought holiday or travel insurance.

Can I assume that you have never travelled to the US.
Going there without insurance is silly. But in the major
EU countries I agree that it isn't overly necessary.

tim

-Martin

On Tue, 14 Aug 2007 10:20:19 +0100, "Andy Pandy"
<[email protected]> wrote:

>
>"Martin" <[email protected]> wrote in message
>news[email protected].. .
>> >> >It's not 'really necessary' (although many people trying to sell
>> >> >insurance will tell you is!). You may find your house insurance
>> >> >covers you for things like theft of property (mine does provided
>> >it's
>> >> >from a locked building). Things like the airline losing your
>> >luggage
>> >> >are the liability of the airline,
>> >>
>> >> Their liability is severely limited by the Warsaw Treaty.
>> >
>> >To how much? It's a reasonable amount IIRC.
>>
>> It is a totally unreasonably small amount. Read the last IATA
>airline ticket you
>> had.
>
>I get e-tickets now.

It's why I said "the last IATA airline ticket you had"

>
>Anyway: http://en.wikipedia.org/wiki/Warsaw_Convention explains it.
>
>About EUR 20 per kg of checked luggage and about EUR 375 per person
>for hand luggage. Not that unreasonable, I doubt our luggage is worth
>much more than that (certainly not by enough to justify paying for
>travel insurance).

As I already said I have never bought travel or holiday insurance.
EUR 400 wouldn't even cover the cost of the replacement of the luggage of some
people, never mind the contents.
--

Martin

-Martin

On Tue, 14 Aug 2007 10:24:22 +0100, "Andy Pandy"
<[email protected]> wrote:

>
>"Jan" <[email protected]> wrote in message
>news:[email protected] oups.com...
>> If you check-it in, I am not
>> convinced that the insurance-company will cover the loss as the
>> checked-in laggage is not locked (it is forbidden to lock it when
>> flying).
>
>Since when?

Since some years in some countries.
You can lock it but if they want to search it they will break the locks.

>I always lock my luggage (not that it couldn't easily be
>picked, but it never has been).
>
>Some airports offer a service where they wrap your luggage in some
>sort of cling film like stuff (but presumably a lot stronger). Why
>would they do that if it's not allowed to 'lock' your luggage?

To make money?
--

Martin

-Martin

On Tue, 14 Aug 2007 10:28:53 +0100, "tim....." <[email protected]>
wrote:

>
>"Martin" <[email protected]> wrote in message
>news[email protected].. .
>> On Tue, 14 Aug 2007 09:57:04 +0100, "Andy Pandy"
>> <[email protected]> wrote:
>>
>>>
>>>"Martin" <[email protected]> wrote in message
>>>news:[email protected] ...
>>> >>
>>>> >> I'll shortly be flying to N. Ireland from England for a weeks
>>>> >holiday
>>>> >> with 3 other members of my family. My question is, is it really
>>>> >> necessary to bother booking Travel Insurance for a holiday like
>>>this
>>>> >> with the UK? The only reason I can think of to need it would be
>>>> >cover
>>>> >> for cancellation.
>>>> >
>>>> >It's not 'really necessary' (although many people trying to sell
>>>> >insurance will tell you is!). You may find your house insurance
>>>> >covers you for things like theft of property (mine does provided
>>>it's
>>>> >from a locked building). Things like the airline losing your
>>>luggage
>>>> >are the liability of the airline,
>>>>
>>>> Their liability is severely limited by the Warsaw Treaty.
>>>
>>>To how much? It's a reasonable amount IIRC.
>>
>> It is a totally unreasonably small amount. Read the last IATA airline
>> ticket you
>> had.
>
>It has recently increased to a 'reasonable' amount.
>
>Not enough to cover designer wear or camers etc, but
>I don't have any of the former and I would never ever
>check the latter. TBH the most expensive part of my
>checked luggage is the bag (at 49 GBP IIRC), anything
>of any value goes in my carry on.

We aren't the sort of tourist who travels with half a dozen pieces of expensive
leather luggage, which contains everything except the kitchen sink.
--

Martin

David Horne

Martin <[email protected]> wrote:

[]
> We aren't the sort of tourist who travels with half a dozen pieces of
> expensive leather luggage, which contains everything except the kitchen
> sink.

Watching the news last night, I noticed one of the Heathrow airport
protestors carrying a steel kitchen sink. I bet she had it driven
there...

--
(*) ... of the royal duchy of city south and deansgate
http://www.davidhorne.net - real address on website
"Abominable, loyal, blind, apparently subservient."
Pres. Carter on Ex-Pres. Blair- May, 2007

-Martin

On Tue, 14 Aug 2007 10:31:03 +0100, "tim....." <[email protected]>
wrote:

>
>"Martin" <[email protected]> wrote in message
>news:[email protected].. .
>> On Tue, 14 Aug 2007 02:12:07 -0700, Jan <[email protected]> wrote:
>>
>>>On Aug 14, 11:02 am, Martin <[email protected]> wrote:
>>>> On Tue, 14 Aug 2007 09:57:04 +0100, "Andy Pandy"
>>>
>>>> It is a totally unreasonably small amount. Read the last IATA airline
>>>> ticket you
>>>> had.
>>>
>>>49 out of 50 times your checked-in luggage will be dalayed (for a
>>>short or long period of time) not lost, so it is few instances when
>>>this insurance for loss will be relevant.
>>>
>>>2nd you should try to avoid packing things that you can not afford to
>>>loose, meaning putting its value as close to the cost of the insurance
>>>plus the cost of exersicing it as possible. If you simply have to
>>>bring your diamond-jewelry, it could be a good ide to put it in your
>>>hand-luggage so you avoid problems. If you check-it in, I am not
>>>convinced that the insurance-company will cover the loss as the
>>>checked-in laggage is not locked (it is forbidden to lock it when
>>>flying).
>>>
>>>Conclusion: As before - you allways need to plan ahead to avoid
>>>problems. Then there are some speical instances when a travel
>>>insurance come handy. Last, it does not cost that much anyway. If you
>>>buy one you can choose is you wnat to use it
>>
>> I have travelled by air frequently for more than 40 years. I always check
>> in my
>> luggage. Despite most of my flights being via the most frequent winner of
>> most
>> lost luggage in the world airline and airport, I have never lost anything
>> permanently, nor have I ever bought holiday or travel insurance.
>
>Can I assume that you have never travelled to the US.

I have travelled to the US and worked there.

>Going there without insurance is silly. But in the major
>EU countries I agree that it isn't overly necessary.

My normal everyday insurance covers me anywhere in the world.
--

Martin

kurkku

"Andy Pandy" <[email protected]> kirjoitti
viestiss�:[email protected]...
>
>
> Indeed - there are lots of cases where insurance would pay out, but
> over a lifetime of frequent travelling, you'd be far more likely to
> pay more in insurance than you'd claim for losses, even if you did
> suffer a few minor losses. Personally I would only ever bother
> insuring against major losses, such as medical costs outside the EHIC
> area, repatriation from places with poor medical facilities etc.
>
Travel insurances for one year cost a few dozen euros. Naturally it is veli,
veli stupid to buy one. It is the same with automobiles: you pay hundreds if
not thousands of euros every year for nothing. To give the policy a try one
should smash his car at high velocity on a wall or a tree or run over some
bloody pedestrian.

-Martin

On Tue, 14 Aug 2007 10:40:02 +0100, [email protected] (David Horne, _the_
chancellor (*)) wrote:

>Martin <[email protected]> wrote:
>
>[]
>> We aren't the sort of tourist who travels with half a dozen pieces of
>> expensive leather luggage, which contains everything except the kitchen
>> sink.
>
>Watching the news last night, I noticed one of the Heathrow airport
>protestors carrying a steel kitchen sink. I bet she had it driven
>there...

:-)

They would do better protesting about 26 million cars on the roads in UK and
picketing the M5 and M25, but of course that would have an impact on their own
lives. Hypocrites!
--

Martin

David Horne

Markku Gr�nroos <[email protected]> wrote:

> "Andy Pandy" <[email protected]> kirjoitti
> viestiss�:[email protected]...
> >
> >
> > Indeed - there are lots of cases where insurance would pay out, but
> > over a lifetime of frequent travelling, you'd be far more likely to
> > pay more in insurance than you'd claim for losses, even if you did
> > suffer a few minor losses. Personally I would only ever bother
> > insuring against major losses, such as medical costs outside the EHIC
> > area, repatriation from places with poor medical facilities etc.
> >
> Travel insurances for one year cost a few dozen euros. Naturally it is veli,
> veli stupid to buy one. It is the same with automobiles: you pay hundreds if
> not thousands of euros every year for nothing.

And that's a lot of vodka.

> To give the policy a try one
> should smash his car at high velocity on a wall or a tree or run over some
> bloody pedestrian.

They do get in the drivers' way sometimes. Doesn't most auto insurance
allow you not to cover your own car? The main point of insurance, I'd
have thought, would be for the liability against other drivers' cars,
bloody pedestrians etc.

--
(*) ... of the royal duchy of city south and deansgate
http://www.davidhorne.net - real address on website
"Abominable, loyal, blind, apparently subservient."
Pres. Carter on Ex-Pres. Blair- May, 2007

David Horne

Martin <[email protected]> wrote:

> On Tue, 14 Aug 2007 10:31:03 +0100, "tim....." <[email protected]>
> wrote:
[]
> >Going there without insurance is silly. But in the major
> >EU countries I agree that it isn't overly necessary.
>
> My normal everyday insurance covers me anywhere in the world.

It's hardly normal everyday insurance then.

--
(*) ... of the royal duchy of city south and deansgate
http://www.davidhorne.net - real address on website
"Abominable, loyal, blind, apparently subservient."
Pres. Carter on Ex-Pres. Blair- May, 2007

-Martin

On Tue, 14 Aug 2007 10:50:34 +0100, [email protected] (David Horne, _the_
chancellor (*)) wrote:

>Martin <[email protected]> wrote:
>
>> On Tue, 14 Aug 2007 10:31:03 +0100, "tim....." <[email protected]>
>> wrote:
>[]
>> >Going there without insurance is silly. But in the major
>> >EU countries I agree that it isn't overly necessary.
>>
>> My normal everyday insurance covers me anywhere in the world.
>
>It's hardly normal everyday insurance then.

It is *my* normal everyday insurance.

It is organised by my former employer as part of my pension.
Contributions are on a non profit basis.
--

Martin