DO NOT USE PUFFIN TRAVEL INSURANCE Story of a lost watch Whilst diving off a boat in Cyprus my Apple Watch fell off and was lost at sea so once we returned to shore I logged it as lost with Apple and got a email response Returned to the uk and tried to claim on my travel insurance and this was the saga 1. called the claim line and they said have you got the serial number I said I don’t think so as it was bought for me by my late mother in 2019 - response sorry not covered without it so I dug around and luckily found the box rang back gave them the details. 2. They then said have you got proof of purchase to which I again said I don’t think so as my late mum bought it for me - response sorry not covered without it so again after much digging I found it rang back gave details. 3. Next block was did you report it to the police? I said no as it was not stolen I lost it whilst on the boat trip - response sorry not covered 🤬🤬 but I did have the email from Apple confirming it was registered as lost and was blocked and was told to send that via the portal. 4. Got e mail response saying - Thank you for submitting your recent claim. We confirm that following review and based upon the information provided in the claims report and any subsequent enquiries, the Insurer will not be able to settle your claim. The reasoning for this is as follows; * We note from you recent conversation with our office that the loss was not reported to the local Police. Your policy does not cover loss in these circumstances and we refer you to this Exclusion "vi. If you do not report the theft or loss of your gadgets to the police within 48 hours of discovering it and do not obtain a police report." It is noted that the loss occurred whilst on a boat trip but there was no reason for the loss report not to be made when you returned to shore. On this basis we are unable to deal with your claim on behalf of the underwriter of your policy. 5. I complained and got a call from customer services who said basically due to the fact I had not gone to the police it was void , I explained it all again but no change at all. I said ok I will get my sister to go to the local police station and report it. I was told no you can’t do that as it’s over48 hours. The Customer services said WE ACCEPT YOU HAVE LOST IT IN THE WAY EXPLAINED but as I did not go to the police they will not pay out