I am travelling to New York in two days and when going to purchase travel insurance have discovered it costs £92! Do I really need to buy it, because I bought it for a recent trip to Paris and my luggage was temporarily lost and they found a way to get out of paying up.

I'm not asking if I should get it, just if I can actually go on holiday without it or is it a legal requirement?

Thanks

of course you can go without it, just dont expect anyone to help you that much if you lose you gear again, have a good trip tho

For security measures, better avail of that travel insurance. If nothing happened to you during your travel, well and good. Try to secure one.
GOD BLESS YOUR TRIP. Merry Christmas!!!!!!!