Having taken a weeks travel insurance at Xmas my suit case was lost for days. So was without clothes I therefore had to buy some essentials to make do until make case did eventually turn up. Thomas cook who I travelled with paid me back as a goodwill £150 When I tried claim from explorer who I took my insurance out with and it states eligable for delayed luggage They have declined it because thomas cook paid me some money back. My god I was only claiming about £150 they said can not claim of 2 people Everybody be aware that until you make a claim you never know. Disgracefull will never take insurance out with them again and I go away about 3 times a year.