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:

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.

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