Newsgroup: it.hobby.viaggi
Titolo: assicurazione Worldnomads e furto subito. Rimborso negato

Ciao a tutti, 
vorrei riportare a tutti quanto successo. Mi è stato sottratto lo zainetto dall'ombrellone in spiaggia a Bali, lo zainetto si trovava sui raggi dell'ombrellone, e la mia ragazza è stata distratta da un venditore mentre qualcun altro rubava lo zainetto. 
L'assicurazione nega il rimborso per i motivi che leggete sotto. 
Saluti.
...
Questo è il mio "claim", poi segue lo scambio di email:
 
We were on the beach in Legian, Bali, the 16th of August. We had rented an umbrella and two beds. We put our items and my small backpack on top of the umbrella's radius, as usual. I was surfing, while my girlfriend was on the bed under the umbrella. We believe that my backpack was stolen when she was distracted by a beach vendor. She never left the umbrella unattended, so we can only believe everything happened when she was kept busy by the vendor. I went to the Kuta Police Central Station and filed a Police Report.
 
--
 
Dear , 
 
We acknowledge receipt of your claim, however, we regret to inform you that we will unfortunately not be able to meet your request for compensation. 
 
In accordance with our policy conditions Art. 21.3 e, the insurance does not cover theft of baggage which is not effectively supervised. Not effectively supervised means: 
 
- leaving your baggage unsupervised in a public place to which the public has access, 
- leaving your baggage with a person you have not previously met, 
- leaving it in any position where it can be taken without your knowledge, 
- leaving it such a distance from you that you are unable to prevent it being taken. 
 
If you have any questions, please do not hesitate to contact us. 
 
Kind regards, 
--
Dear xxx, 
 
thanks for your message. 
I am quite surprised to read what you wrote. 
Indeed, I dont see in which of your 4 examples below you classify my case. 
 
1- It was not unsupervised. It was over the head of my girlfriend (also subscriber of the same insurance) in our private umbrella. It was not left on the beach. She was distracted with the intention to steal it. Or should I assume it is covered only if you are fronted with a gun or knife? 
2- i left the baggage with a person I have been living with for the last 12 months. 
3- It was in our private umbrella which was not left alone, never, not even for a second. Following what you wrote, it seems that if someone breaks into my closed apartment, the items can be considered "stolen without my knowledge" as well. 
4- there was never such a big distance between the bag on the umbrella and the head of my girlfriend supervising it, because she never left the umbrella. She was simply deceived by someone else with the sole intention to steal the bag. It was a matter of seconds, as she never left the umbrella. 
 
Looking forward to reading from you. 
 
Regards, 
--
 
 
Dear , 
 
According to your description of the incident the backpack was left in a position where it could be taken without your girlfriends knowledge (on top of the umbrella) and it was subsequently stolen without her noticing it. Unfortunately, this is not covered by the insurance. 
 
The scenario you are mentioning about a break-in does not really relate to your situation but it would be covered if there were visible signs of forced entry. 
 
If you have any questions, please do not hesitate to contact us. 
 
Kind regards, 
----
 
thank you for your reply. 
There is not much I can do towards your decision. I can only repeat the bag was not on top of the umbrella as you keep writing, but WITHIN the umbrella, on top of umbrella's spikes, in our private space as delimited by the umbrella and covered by it. 
 
Obviously I will give to this negated claim all the needed publicity it deserves in all major travel websites and message boards (both in Italian and English), so other fellow travelers are aware of how the policy works in practice. 
 
Regards, 

 my small backpack on top of the umbrella's radius,
 
Secondo me questa frase li ha tratti in ingannno.
Tu sostieni che lo zaino era appeso ai raggi (quindi sotto
l'ombrellone), ma scrivi "on top of the umbrella".
Potrebbero non aver capito dove fosse effettivamente,
pensando che lo zaino fosse sopra l'ombrellone.
 
 
GI
 
 
 


 
Anche io ho pensato la stessa cosa leggendo il testo in inglese.
Saluti, david. 
 
 
 

Il 22/08/12 16:11, rosebud ha scritto:

Si vabbï¿œ, ma ï¿œ logico che si attaccano ad un errore grammaticale.
E voi a fare i precisini...

 E voi a fare i precisini...
 
E tu vieni a raccontarci cosa ï¿œ logico?
 
 
GI
 
 

 .....
 
 
Mah, se guardi le condizioni generali dicono che :
 
"In most cases World Nomads does not provide cover for theft of cash. 
Please refer to the policy wording / description of coverage where it 
will be specifically outlined if coverage is applicable."
 
 
Se poi vai a vedere le condizioni applicabili all'Indonesia trovi che 
la copertura ï¿œ attiva solo in questi casi :
 
a.lost or damaged by fire or other natural disaster....
 
b.stolen from locked accommodation .....
 
c. STOLEN FROM YOU WHILE YOU ARE CARRYING THEM, WHEN THE THEFT IS 
OBSERVED
 
d.stolen from a locked boot .....
 
e.lost by a common carrier ......
 
f.damaged by a common carrier ......
 
 
In altre parole lo scippo mentre tu hai lo zaino a tracolla ï¿œ coperto, 
se lo appoggi su una sedia no :-(
 
-- 
federicoP
 
 
"Viaggiare ï¿œ un desiderio che provano in tanti e tutti se ne pentono, 
perchï¿œ non si ritorna mai."
 
Da: La Misura del Mondo di D. Kehlmann
 
www.federicop.eu
 
 
per scrivermi elimina la china
 
 

follow up! 
 
--
Dear , 
 
if you read what I wrote on my original claim you'll see I stated 
"on top of the umbrella's radius" 
which is different from "on top of the umbrella". 
I dont know if this is the proper english, but for "radius" I mean those iron or wood spikes within the umbrella. Maybe these pics might help 
 
http://s.sbito.it/images/68/6868329284.jpg
 
 
http://www.lettinidaspiaggia.it/ombrelloni-da-spiaggia-made-in-italy-new.jpg
 
 
thanks 
 
regards 
 
---
 
From: World Nomads Claims
Submitted: 24 Aug 2012 12:06 AM (AEST)
 
Dear , 
 
Thank you for your clarification. 
 
According to your description of the incident your girlfriend did not observe the exact moment when you lost your belongings. As the insurane only covers theft when the theft is observed while being committed, we are unfortunately not able to meet your request for reimbursement. 
 
We understand that you assume that your backpack was stolen when your girlfrind was distracted by a beach vendor. However, this assumption does not equal that you in fact saw the thief steel your backpack which is why you do not meet the conditions for reimbursement. 
 
Kind regards, 
 
Travel Claims

 Si vabbè, ma è logico che si attaccano ad un errore grammaticale.
 
Come ti permetti?
Lo sanno tutti che uno zaino può restare immobile per ore su una superfice 
robusta e soprattutto piana come quella di un ombrellone! Come potevi pensare 
che capissero che tu lo avevi appeso ai raggi?
Non ti vergogni?
 


 
Altra occasione persa per stare in silenzio e per evitare figure
barbine. Scommetto che non ti sei nemmeno accorto che non stai
rispondendo all'OP.
 
Che pena che fai.
 
 
GI
 
 
 
 

 Che pena che fai.
 
Hai già finito?
E ti sei pulito per bene il culetto?
Uhm... a me non pare...
 

 Travel Claims
 
quindi rimborsano solamente quando c'�� yuna rapina. Il furto (anche con 
destrezza) impone che chi lo subisce non se accorga, quindi non 
rimborsano. Non male, buono a sapersi (per non farla mai).

  Non male, buono a sapersi (per non farla mai).
 
questo è il motivo perchè faro' loro tanta, ma tanta pubblicità. 
 
Ma la domanda diventa: ci sono compagnie che si comportano in modo diverso?
comunque, il motivo per cui avevo scelto WN è che per la copertura sanitaria (che mi interessava di piu) sembrano abbastanza solidi e avevo letto ottime recensioni
 


intendevo quella per il furto (se � un'opzione). Se invece �� compresa 
nella polizza sanitaria � solamente pubblicit�.