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Totally irrelevant. The school accepted responsibility by collecting the goods in on the premise it was for safe keeping. All good points but the overiding factor is that the school accepted responsibility. Sounds like a 'Not the Nine O'clock News' sketch but with a shoebox!!!

Suspect the watch will fall below the household excess as well!

Have to say that depreciation is a bit steep. In 9 months the watch is worth nothing? You could look on ebay for similar watches and see what they go for but as it was less than a year old I would think you should get at least half the replacement value.

The principle here relates to the bailee/bailor relationship. Your son was the bailor and the school the bailee. The school accepted responsibility for the goods when they collected it for safe keeping (and no amount of disclaimers would, I believe, waive that). On that basis, the school had...