SECTION 6 BAGGAGE & PERSONAL BELONGINGS
Covered
A)
Personal Baggage
You
are covered up to the limit as shown on the
Summary of Cover for the value or repair to any of
your
personal baggage
(not hired, loaned or entrusted to
you
), which is lost, stolen, damaged or destroyed (after
making proper allowance for wear and tear and
depreciation) limited to:
a) the single item limit as shown on the Summary
of Cover for any one item, pair or set of items
b) the
valuables
limit as shown on the Summary of
Cover for all
valuables
in total
B) Delayed Baggage
You
are covered up to the limit as shown on the
Summary of Cover for the cost of buying replacement
necessities if
your personal baggage
is delayed in
reaching
you
on
your
outward journey for at least 24
hours and
you
have a written report from the carrier (e.g.
airline, shipping company etc) or tour representative.
Receipts will be necessary in the event of a claim.
Conditions
1. Any amount
we
pay
you
under B Delayed Baggage
will be deducted from the final claim settlement if
your
baggage is permanently lost.
2.
You
must obtain written proof of the incident from
the police,
your
accommodation management, tour
operator or carrier, within 24 hours of the discovery
in the event of loss, burglary or theft of the baggage.
Failure to do so may result in
your
claim being
declined.
3. In the event of a claim for damaged items, proof of
the damage must be supplied.
4. In the event of a claim for a pair or set of items,
we
shall be liable only for the value of that part of the
pair or set which is lost, stolen, damaged or
destroyed.
5. If the repair cost is more than the value of an item,
we
will assess the claim as if the item has been lost.
Not covered
1. the policy excess shown on the Summary of Cover.
This applies to each person making a claim; of any
incident.
2. if
you
do not exercise reasonable care for the safety
and supervision of
your personal baggage
;
3. any item, pair or set of items with a value of over
£50/
!
60, if an original receipt, valuation report or
other acceptable proof of ownership and value cannot
be supplied to support
your
claim;
4. more than £50/
!
60 (Gold) and £25/
!
30 (silver) for
tobacco, alcohol, fragrances and perfumes.
5. in the event of a claim for damaged items, proof of
the damage must be supplied. The damaged articles
must be retained by
you
and if requested, submitted
to the claims handlers so as to substantiate a claim.
Failure to do so may result in a claim being turned
down.
6. if
your personal baggage
is lost, damaged or
delayed in transit and
you
do not:
a) notify the carrier (i.e. airline, shipping company
etc.) immediately and obtain a written carrier’s
report (or Property Irregularity Report in the case
of an airline); or
b) follow up in writing within 7 days to obtain a
written carrier’s report (or Property Irregularity
Report in the case of an airline) if
you
are unable
to obtain one immediately.
7. loss, destruction, damage or theft of the following
property:
a) contact or corneal lenses, hearing aids, dentures
and false body parts or other prostheses.
b) antiques, precious stones that are not set in
jewellery, glass or china, pictures, musical
instruments.
c) electrical equipment including mobile telephones
any hand-held computer equipment not defined
under
valuables
(including but not limited to
PDA’s, BlackBerrys, personal organisers and
electronic navigation equipment).
d) pedal cycles, dinghies, boats and/or ancillary
equipment, vehicles or vehicle accessories
(other than wheelchairs and pushchairs).
e) tools of trade.
f) perishable items such as food.
g)
valuables
left
unattended
at any time (including
in a vehicle or in the custody of carriers) unless
they are with
you
or locked in a safe or safety
deposit box or locked in the accommodation;
h)
valuables
left as checked–in baggage;
8. loss, destruction, damage or theft:
a) due to confiscation or detention by customs or
other officials or authorities.
b) due to wear and tear, denting or scratching, moth
or vermin.
c) transportation by any postal or freight service, or if
sent under an air-way bill or bill of lading.
9. mechanical breakdown or derangement, for breakage
of fragile or brittle articles being transported by a
carrier, unless the breakage is due to fire or other
accident to the vessels, aircraft or vehicle in which
they are being carried.
10.
personal baggage
and
valuables
stolen from:
a) an unattended vehicle unless it was in the locked
glove compartment or rear boot or luggage area of
the vehicle and is covered so as not to be visible
from the outside of the vehicle and there is
evidence of forcible and violent entry.
b) an unattended vehicle (other than motor caravans)
left for any period between the hours of 9pm and
9am.
11. any shortage due to error, omission or depreciation in
value;
12. any property more specifically insured or recoverable
under any other source;
13. stamps, documents, deeds, samples or merchandise,
manuscripts or securities of any kind, sports gear or
activity equipment.
14.
winter sports equipment
(unless
you
have paid the
appropriate premium), sports or activity equipment
whilst in use);
15. anything mentioned in the General Exclusions.
SECTION 7 CASH & DOCUMENTS
Covered
You
are covered up to the limit as shown on the
Summary of Cover for accidental loss or theft of
your
own
money
whilst being carried on
your
person or left in
a locked safety deposit box. Cash is limited to the
amount shown on the Summary of Cover unless
you
are
under 16 years, in which case the maximum payable is
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