I forgot I had paid for travel insurance when I buy air ticket and bought another travel insurance
Now my camera bag was stolen, I look into the policies
Stated they are not liable to pay for loss insured under other insurance policy (which sounded unreasonable, i'm just imagining if every company do that then nobody needs to pay already, doesn't sound logical to me but what to do).
If I made insurance against someone, And if I do not get the full amount of claims paid, they will make up differences, but I have to claim from "them" first as in the first party, And it didn't state who is that first party.
Also stupidly I have emailed both parties, without mentioning I got two travel insurances. I can only be back in sg after a week. I dunno what kind of tussle will I get but I,m not sure if I can back out from one policy and claim from the other since I had emailed both. Any advices?