Avoid! If the £50 excess doesn't get you then their valuation deductions for 'Wear and Tear' will. My single incident claim following theft while travelling in France was reduced to 38 percent of their original purchase cost as the items were more than 3 years old. They also farm out the element of the insurance you take out with them for gadgets cover to another company, namely the Davies Group. So we ended up having to submit our claim twice for the same incident having paid a single premium. The Davies Group then disallowed our claim for the SLR camera my wife inherited from her mother who died in 2016 on the basis that it was more than four years old! An expensive lense upgrade to the camera purchased less than four years ago was also declined "as you can only claim for accessories in conjunction of valid gadget" (sic)! This is simply not fair and reasonable. This information should be set out loud and clear at the beginning of the process rather like a government health warning on a pack of cigarettes. There's only one party that has their back covered in this transaction and it's not the traveller!
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