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Hello, I’m Ben, a UK lawyer and will be dealing with your case today. Firstly, I need to ask some initial questions to determine the legal position.
How long ago was this and what have they based their offer on?
Thank you. I will get back to you with my answer as soon as I can, which will be at some point today. The system will notify you when this happens. Please do not reply in the meantime as this may unnecessarily delay my response. Many thanks.
Many thanks for your patience. Your rights here are not just going to depend on their terms but also on law, specifically the Montreal Convention. The maximum you may get for any lost luggage, regardless of the contents, is around £1000. If your luggage is worth more than that you would have been expected to get your own travel insurance.
Be advised though that the above limit is the absolute maximum limited by law and rarely are passengers compensated all the way to that limit. Also, airlines do not allow for “new for old” replacement when considering the value of your claim. They will look at the value of the item based on its age when lost. So if you had to buy new items to replace older ones, you will not get the new replacement costs. Also you would be required to provide proof of ownership of the items in the luggage, they won’t just take your word for it so that could also limit how much you may recover.
You should go through the airline’s own complaints procedure to the fullest and after that your only option is the Small Claims Court.
Does this answer your query?
As we are just a basic Q&A site I cannot draft letters for you and can only point you to your legal rights and position. You could however use something like Resolver which takes on complaints for free:
Does this clarify things a bit more for you?