Travel insurance claims for loss of property - how to prove

[acey]

Hi everyone,

Been pondering about this for a while.
Travel insurance caters for loss of property due to theft while travelling.
My laptop was stolen when I was in Stockholm about 2 years ago. Made police report, filled up claim form, got some money back, no questions asked.

I was wondering, how does an insurance company (that sells travel insurance) knows whether the loss really happened ? What's there to stop someone from making a claim everytime he travels ? (with motor insurance claims, the premium increases whenever you make a claim on your own policy, but not travel insurance!!)

[Lobster]

They can't know for certain. They just try to discourage it which is why they ask for a police report as getting the police involved does put people off putting in a fraudulent claim. Ultimately they just price it knowling that there will be some fraudulent claims and that is one of the reasons why travel insurance is reletively expensive.