Samuel and Vanessa had finished dinner and returned to the place where they parked their car, only to find an empty car park. They called the police and reported the car stolen. After speaking with the car hire company, Samuel learned that although the theft was covered by rental vehicle insurance, he still needed to pay an insurance excess fee. Samuel called his travel insurer who helped with the excess costs. His travel insurer also covered some of the couple’s belongings that had been stored in the boot of the car.