itsjustme
Posts: 2727
Joined: Sun Apr 25, 2004 6:58 pm

Laptop Computers Not Covered If Stolen?

Tue Jun 22, 2004 6:07 pm

I apparently pulled a bonehead maneuver recently. I was in Detroit over the weekend (no, that wasn't the bonehead maneuver) and when I came home, I flew Continental from DTW to ONT (which had a 45 min. Lay over at IAH) and I checked my laptop with my other luggage. Continental lost my stuff for about 20 hours and when their courier delivered it to my home he commented on how lucky I was that I had gotten my laptop back. He said, "More times than not, when I deliver lost baggage to passenger's homes and they had checked a laptop, they get just an empty case back. The airline only covers the case, not the actual computer".

Does anyone know if the policy to not compensate a passenger should a laptop be lost or, more accurately stolen, is specific only to Continental or is this common to all major airlines? Needless to say, I was surprised by this and it was a lesson learned.
 
SailorOrion
Posts: 1959
Joined: Tue Feb 06, 2001 5:56 pm

RE: Laptop Computers Not Covered If Stolen?

Tue Jun 22, 2004 6:25 pm

I'm not so sure about the 'stolen' part, but the luggage insurance you get on most (maybe all) airlines gives you $27-odd per kg of checked luggage.

SailorOrion
 
steve6666
Posts: 435
Joined: Thu Sep 04, 2003 1:58 am

RE: Laptop Computers Not Covered If Stolen?

Tue Jun 22, 2004 7:45 pm

I wouldn't put a delicate piece of expensive electronic equipment in a suitcase to be thrown around by baggage handlers never mind the risk of theft.

If you are sad enough to read the IATA stuff they send with your ticket there is some derisory limit on airlines' liability for checked baggage. That's why you take out travel insurance.
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jwenting
Posts: 9973
Joined: Mon Apr 23, 2001 10:12 pm

RE: Laptop Computers Not Covered If Stolen?

Tue Jun 22, 2004 8:18 pm

Travel insurance is useless.
It typically does not cover damages that happen when the goods are not in your sight, which nicely excludes theft and damage occurring at airports between checkin and baggage reclaim.

Insurance companies, being the scumbags they are, will make use of any loophole they can find to not pay you even on a valid claim.
I wish I were flying
 
itsjustme
Posts: 2727
Joined: Sun Apr 25, 2004 6:58 pm

RE: Laptop Computers Not Covered If Stolen?

Tue Jun 22, 2004 8:29 pm

OK, OK, so a "bonehead" maneuver may have been somewhat of an understatement.
 
asuflyer05
Posts: 2053
Joined: Wed Feb 25, 2004 8:53 am

RE: Laptop Computers Not Covered If Stolen?

Wed Jun 23, 2004 1:29 am

I'm pretty sure HP/YV has a similar policy. Employees are told if they receive a checked/gate valet laptop bag to hand it back to the passenger to prevent damage.

I flew CO and checked my desktop as luggage. They told me point blank if it was not in Newark when I got there they were not going to pay for a replacement. It is their policy to not cover electronic equipment that is not in the original manufacturer's packaging.
 
Brick
Posts: 1486
Joined: Wed Aug 04, 1999 11:08 am

RE: Laptop Computers Not Covered If Stolen?

Wed Jun 23, 2004 2:04 am

I personally think this falls into the category of common sense... Continental's policy is "Continental will not accept liability for computers or computer related equipment when accepted as checked baggage. Small laptop computers may be considered as carry-on baggage."

http://www.continental.com/travel/policies/baggage/devices.asp?SID=CC2F132393F94A3DA833A0D8DCEE23B5

Same reason I don't stick $1000 cash in my checked luggage. It's widely known (as well as common sense) the airlines aren't responsible for high value or perishable items.

Mark
A noble spirit embiggens the smallest man...
 
Greg
Posts: 5539
Joined: Sat May 28, 2005 1:11 am

RE: Laptop Computers Not Covered If Stolen?

Wed Jun 23, 2004 2:08 am

My homeowner's insurance covers mine for theft or loss.
You should review your policy.
Covers it wether in home, auto, or travelling.

Contact them...you'll probably be surprised your covered as well...
 
aviationwiz
Posts: 882
Joined: Thu Apr 01, 2004 7:20 pm

RE: Laptop Computers Not Covered If Stolen?

Wed Jun 23, 2004 2:43 am

*NEVER* check a laptop, *ALWAYS* carry it with you onto the plane.
Proudly from the Home of the Red Tail.
 
Mriya
Posts: 128
Joined: Tue Apr 06, 2004 9:14 am

RE: Laptop Computers Not Covered If Stolen?

Wed Jun 23, 2004 2:51 am

Also, make sure you back up EVERYTHING before you travel! Insurance can replace your laptop, but not the goodies on the hard drive.
Currently not active in aviation photography or this site. Thank you for your interest.
 
BAxMAN
Posts: 654
Joined: Fri May 28, 2004 7:51 am

RE: Laptop Computers Not Covered If Stolen?

Wed Jun 23, 2004 9:56 am

Don't be so sure that you will be covered by any insurance policy if you lose your laptop with your checked in baggage! Insurance companies will obviously try and enforce any clause to prevent them from paying out and they will consider you to be at fault if you put a valuable piece of equipment in the hold!

British Airways and no doubt ALL the other major airlines will not accept any responsibility for individual, particularly expensive items that are lost in the hold. Your travel insurance will cover you so that you can replace all your shirts, socks etc but I highly doubt that this will extend to laptops and probably even cameras, certain jewellery etc.

You need to take that stuff into the cabin!
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