Corrections · 6
(1) Since the watch has been lost, you must talk about the watch in the past tense, not the present tense. Otherwise, you may arouse suspicions! If you talk about it in the present tense, it sounds as though the watch is still in your possession and perhaps you are lying about having lost it.
(2) "To be covered in sand" and "to be covered by the sand" do not have the same meaning. The former means the object has traces of sand on it. It is dirty with sand, and you must clean it. For example, I can say "my hands are covered in sand". This means that my hands have sand on them, and I must wash my hands to remove the sand. The latter expression means the object is buried underneath the sand on the beach, and it is not visible. To find it, you would have to dig in the sand on the beach with a spade. I think that is what you were trying to say about the watch.
(3) Normally we would use the definite article when talking about the sea in general, but the expression "to be washed out to sea" is an exception: it doesn't use the definite article. There are many nautical expressions that also omit the definite article. For example: "to be lost at sea" (feared drowned) and "to put to sea" (when a boat begins a journey) and "to be at sea" (to be on a boat).
(4) It sounds odd to use the past tense here without referring to a specific time in the past. If you don't want to refer to a time in the past, you could use the present tense instead, and use a different verb. You could simply say "I have comprehensive insurance."
(5) We don't normally say "to take out an insurance". We normally say "to take out an insurance policy."
(6) I think that the term "estimated value" is only used for objects that are antiques or unique one-of-a-kind creations. In the context of a mass-produced item of technology that is still currently on sale, it is not necessary to estimate the value. We can find out the exact price of the watch by simply checking its current retail price.
(7) In modern British English, I have never read "faithfully yours". We always write "yours faithfully".
correction suggested improvement usual wording of standard phrases used in letter writing
Dear Sir or Madam,
I am writing to make an insurance claim for a smartwatch that I lost last week while on holiday.
I believe that I must have left the watch on the beach in front of the hotel where I was staying. I did return to search for it, but I can only assume that it had either become covered by the sand (2) or it had been washed out to the sea. (3)
A few years ago, I took out (4) a comprehensive travel insurance policy (5) with your company and my contract states that all lost items are covered. I would[, ]therefore[, ]like to ask that you review the attached information regarding the current RRP (Recommended Retail Price) (6) of the watch and that you process my claim as quickly as possible.
Should you require any further information, please do not hesitate to let me know.
Yours faithfully, (7)
Mr Adib Yz
Making an insurance claim.
Your valuable feedback would be highly appreciated. (Please ignore the lines between the asterisks)****
On a recent holiday, you lost a valuable item. Fortunately, you have travel insurance to cover the cost of anything lost.
Write a letter to the manager of your insurance company. In your letter
a) describe the item you lost.
b) explain how you lost it.
c) tell the insurance company what you would like them to do.
****
Dear Sir or Madam,
I am writing to make an insurance claim for a smartwatch that (this isn't wrong, but many advanced English courses will tell you to eliminate the word 'that' whenever possible. If it isn't necessary, it's best to omit it) I lost last week while on holiday.
The watch that I lost was a birthday present from my wife, and it was a limited edition of the Apple Watch II. What makes made this present truly special is was the fact that both the straps and the watch face edges are were made of gold and my name had been engraved at on the back of the watch by the Apple. Therefore, the watch is was worth a considerable amount of money.
I believe that I must have left the watch on the beach in front of the hotel where I was staying. I did return to search for it, but I can only assume that it was either covered buried in the sand or it had been washed out to the sea.
I took out a comprehensive travel insurance policy with your company and my contract states that all lost items are covered. I would therefore like to ask that you review the attached information regarding the estimated value of the watch and that you process my claim as quickly as possible.
Please let me know if you need any further information.
Faithfully yours,
Adib Yz
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