I would not recommend-Hollard Insurance

My luggage was damaged on the Msc cruise. It was reported to Msc Cruises 4 days later and they referred me to the insurance policy which was paid for by me and told me to contact Hollard Insurance. Hollard has since found every little loophole in their policy that not to pay out for the damages. Please read your policy carefully to ensure that Hollard does not deny you your legitimate claims. Apparently you have to report the damage immediately to Msc Cruises ( prior to departure) and get a form completed by Msc Cruises prior to leaving the baggage area. We weren't informed of any form by Msc cruises and were asked to leave the baggage area as other people were coming in for boarding. I won't recommend anyone to take out insurance with Hollard.