Just dont declare you split clothes but get the same amount of money back to cover everything if possible.

Its a bit naughty if its the same company who lost the case who is making money by charging an excess!

I wouldn't touch TO Insurance.
we're doing a 2 week west coast coach tour - LA, Grand Canyon, Vegas, Yosemite, San Francisco followed by chilling out in Hawaii for a week
all the 15 T shirts I took ( obviously growing out of the spiling ketchup stage).
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