Should my friend replace sunglasses she lost?

[Onesieisthequeensselfie]

More of a WWYD.

I left a pair of designer sunnies at my friend's house the other day.

Friend has just phoned to say terribly sorry but she borrowed them and has lost them.

She was hugely apologetic but hasn't made an offer to replace them.

I don't know if she realised that they are quite expensive and that's why she hasn't offered.

AIBU to think that she could have at least asked how much they were/offered to contribute towards replacing them?

I think if they're that much, bat it back to her and give her a chance to do the right thing. Ask for half, or say you'll claim on your house insurance and could she contribute to or cover the excess. Not because it's "fair" financially but because it gives her a chance to fix it, friendship-wise.

"You can't claim money for things you never paid out for in the first place. I work in insurance."

Gifts. Inherited items. Original artwork. Original furnishings (e.g. carpentry, carved furniture). Original self-built (e.g. a computer, a tack rack). Possessions of someone living with or visiting you. Something you've found and has been returned to you unclaimed (e.g. a bicycle, you handed into the police). Something you or someone else bred (e.g. a puppy, a kitten, a foal ... a person).

You work in insurance, BifsWif?

The cheeky article. She should definitely cough up! I would never wear someone else's sunglasses even with permission as everyone knows they are so easy to lose. And I'm not precious about people borrowing my things. Just not my €200 sunnies!!

She won't be covered on home insurance unless she says they were hers. You can't claim money for things you never paid out for in the first place. I work in insurance.

Of course you can! What a silly thing to say.

Wow your friend should t have worn them when they didn't belong to her.

Does she have form for losing things?

One of my closest friends is a nightmare for losing and damaging her own property so it stands to reason she doesn't borrow much of anyone else's property as we all know we'd never see it again

She should pay for the FULL COST of the sunglasses

They are all fair points ADish but what they have in common is that the person in question owns them.

I'd be surprised if my home insurance covered items I did not own, that were lost out and about. This is not about the rights and wrongs of who should pay, it's that insurance policies are designed to avoid paying out and are usually pretty tight. I'd be amazed if the friend's policy is so lax that it will pay out on 3rd party items, not owned by the policy holder (not even a claim of ownership, let alone proof) and not damaged/broken in the policy holder's house.

Well, she's still not answering my messages. Seems we're at a standoff.

I doubt she would want to claim off her insurance, because of the premium increase, even if it were possible to.

Sadly I think this friendship is on the way out. Not over a pair of sunglasses, but because of the lack of respect.

You borrow it, and break it: you own it.

Thems the rules!