Risks covered by more than one insurance policy (OT in uk.d-i-y)

Does anyone have any experience of making a claim when a risk is covered by more than one insurance policy? I'm thinking of the sort of situation where something gets lost or damaged while on holiday in foreign parts, and where you have a holiday insurance policy *and* "all risks" cover provided by your household insurance.
Most policies exclude losses covered by other policies or - at any rate - require the compensation to be split between the two insurers. Most policies also have excesses. How does this work in practice? If the claim is jointly settled by two insurers, and each deducts the policy excess, you could potentially end up *worse* off than you would be if you only had one policy.
So what actually happens under these circumstances? Anyone been there?
Reply to
Roger Mills
Yes and no. Yes in as much as I thought at first blush I was in that position. But no because on reading the later insurance policy in detail it had a typical clause denying cover if there was another policy covering the same risk which they had not been told about. The earlier policy had a similar clause but that didn't apply 'cos I hadn't told the later firm about the earlier policy so I wasn't covered under the later policy. So I claimed on the earlier policy. Simples! (Well - I think it's simple compared with a lot of the DIY you lot report :) )
Sorry, I didn't get into what happens to excesses if they really do have to each pay a pro rata amount. But from what I read before I found my answer it seems it's b**** rare for 2 policies not to have clauses which mean you end up with (a) only one applying, or (b) one only paying what (if any) amount the other doesn't.
Reply to
Robin

PS
Looking back at my papers (as I should have done before posting - sorry) there was an agreemnt between most insureres which may be relevant to yours. There is now a newer version:
formatting link
I felt the need for PPE (wet towel; restorative liquor) but you may well be made of sterner stuff ;)
Reply to
Robin

BeanSmart website is not affiliated with any of the manufacturers or service providers discussed here. All logos and trade names are the property of their respective owners.