No compensation will be given if the loss could have been avoided by the exercise of prudence. Loss by accident of property which might have been insured can give no claim to compensation. There are, however, cases in which reasonable prudence does not demand insurance, e.g. for the minimum of personal baggage taken by an Officer with him on a journey. Compensation will not be considered in the case of property which was not, at the time and place in question, actually or conventionally necessary for the discharge of the duties and the maintenance of the position of the Officer. Articles of an extraordinary or fanciful character, acquired for the gratification of private tastes must be kept at private risk. Only a part of the declared value of the property lost will, as a rule, be granted, to guard against the possibility of carelessness, and the danger that loss might become positively a source of profit. The usual Treasury principle has been to give two-thirds of the value, though the whole amount has on rare occasions been allowed when the total is very small, or in view of special circumstances, such as the efforts of an Officer to save public property at the risk of his own. No claim will be admitted on account of the loss of money which is the private property of individuals.