>> Much of travel insurance cover is window dressing. . The vital bit is the medical
>> and repatriation cover. I don’t think I would be too worried by the loss of
>> my suitcase. Happy to carry a large excess if there is a significant saving.
That's pretty much my line. We've no fancy clothing or expensive jewellery. Bikes, cameras etc are covered under home insurance.
Even something as simple as a broken wrist can be thousands of dollars in the US. Dealt with an inquiry at work from somebody in exactly that situation a couple of years ago. In that case I think he had insurance but fell from a balcony during drunken horseplay and insurer washed their hands.
Debt was passed on to UK agents for recovery.
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