Time Delay in Travel Insurance Claim

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Hi,

I was on holidays in January of this year and lost my Ipod, to be honest I never thought of claiming on my travel insurance until now. Does anyone have any idea of the time delay allowable for a claim?

I have annual insurance with VHI.

As another thought I am just back from a weekend away and I was thinking of saying I lost it then. I know it's wouldn't be 100% correct, but it would a valid claim in my mind as it is the same policy, even if the claim form wouldn't be filled honestly.

Any thoughts?
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