We refer to the above claims and your mails dated 29th January 2016.
As you may be aware, the 2016 J&J Policy contains a US$ 500 Franchise which also applies to goods shipped and insured by the Asia Pacific Supply Chain, Singapore.
Following a full review of the evidence provided, the claims have been assessed at US$ 130 and US$ 190 respectively. As these fall below the USD 500 franchise, no payments will be made in respect of them and we have closed our files.