Please Note: The information below provides a brief overview of an area of cover within our policies. All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details which can be downloaded under 'Key Information' below.
We will pay for items which are usually carried or worn by travellers for their individual use during a trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by you which are lost, stolen or damaged during your trip. Please note:
- Payment will be based on the value of the property at the time it was lost, stolen or damaged.
A deduction will be made for wear, tear and loss of value depending on the age of the property.
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of 'pair or set of items' on page 12 of the policy wording.
- The maximum amount we will pay for valuables and electronic/other equipment in total is shown in the table of benefits. Please refer to the definition of 'valuables and electronic/other equipment' on page 12 of the policy wording.
- The maximum we will pay for property which is lost or stolen from an unattended motor vehicle is £100 for each insured person if the property was kept in a locked boot, a locked and covered luggage compartment or a locked glove compartment and there was evidence of forced and violent entry to the vehicle.
We will additionally pay up to the amount shown in the table of benefits for buying essential
items if your baggage is delayed in reaching you on your outward international journey for more
than 12 hours.
Please note: You must get written confirmation of the length of the delay from the appropriate airline or transport company and you must keep all receipts for the essential items you buy.
If your baggage is permanently lost we will deduct any payment we make for delayed baggage from the payment we make for your overall claim for baggage.