For our commercial clients an additional cover available is a director’s personal travel policy. Under the benefits of such cover, Mr Brown and his wife flew out to Denver, Colorado for a holiday and checked into a luxury hotel. Once in their room they noticed that the room did not contain a safe and that under the Colorado law the hotel was not responsible for any items left in the room so any valuables should be handed in at the front desk for safe keeping.

Mrs Brown was concerned about her valuables so Mr Brown handed them to the member of staff at the front desk advising that he would collect them prior to check out. After a wonderful holiday, with lots of packing to do in preparation for their journey home, Mr Brown went to the front desk to retrieve his valuables. After carefully checking the contents of his bag he discovered that an envelope containing $1000 in cash was missing.

Mr Brown returned home confident that the hotel would sort everything out and his missing cash would be reimbursed. However, he was not prepared for the email he received from the police stating that they had closed their case due to lack of evidence. The hotel couldn’t help either as the member of staff said it was her fault as she was new and didn’t know how to operate the safe within which Mr Brown’s valuables should have been placed, she was going to contact her manager for assistance but forgot, leaving Mr Brown’s bag in a basket on top of the safe!

Now even more certain that the hotel would reimburse the stolen cash, given their negligence in dealing with the situation, they advised that due to lack of evidence no monies would be forthcoming from them.

Frustrated, rather upset and very disappointed as a last resort Mr Brown decided to contact D E Ford to make a claim under his policy. D E Ford notified his insurers and without any fuss or delay Mr Brown was reimbursed in full for the missing cash.

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