Colorado Marine Officer

If you need to make a claim on your travel insurance policy:
•check that you are within the time limits for making a claim
•check that you are covered for the situation you are claiming for. There is usually a maximum amount which can be claimed under each section of the policy, and a limit on the amount you can claim for any single item
•check your policy for any terms or conditions that you need to meet
•contact your insurer as soon as possible to request a claim form. This may be once you have returned home. Your insurer may have an international helpline which you can use to get advice on the procedures you must follow. Complete the claim form carefully, and keep a copy. Make sure you enclose copies of all relevant receipts. You may need the originals if your claim is refused. If you are also covered for part of your claim by your home contents insurance, you will need to state this on your claim form.
Lost, stolen or damaged personal property or luggage
You will be expected to take reasonable care of your belongings and to minimize any losses.
Your insurer will want evidence of the loss or damage. This may mean making a report to the local police which should be done within 24 hours, if possible.