For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
While it’s very important that you be extra careful with your own baggage and personal effects while travelling, your policy can help if something happens and it’s lost, stolen or damaged.
The following items are defined as valuables and gadgets under the policy:
Valuables and Gadgets: Watches, jewellery, items made of or containing precious stones, semi-precious stones, gold, silver or platinum, mobile/smart phones, tablets, laptops, computers, smart watches, games consoles (including handheld consoles), wearable activity trackers, including any accessory items, camcorders and accessories, all photographic/ digital/ optical/ audio/ video media and equipment, iPods, MP3/4 players or similar and/or accessories, E-book readers, satellite navigation systems, and drones.
Valuables and gadgets have a combined limit of cover. Of course, if you list any of these as specified items then they will be covered separately and won't be part of this combined limit.
Depending on what's happened, we may pay up to the value of the item at the time of the event. Be aware that there will be allowances for wear and tear (depreciation), unless it's listed as a high value item where an additional premium has been paid, in which case no depreciation will apply.
Whatever happens, you’ll need to get written proof of the incident from the local police (particularly for a theft) within 24 hours or other appropriate authority such as your tour operator, bus company, airline or hotel as soon as possible upon discovery to support your claim. We understand that this can be a challenge in a country where you don't speak the language and they might even make you pay for it, but you will need this report to support your claim.
You’ll need to send in the original receipt, valuation report or other acceptable proof of the item’s value, age and your ownership in order for your claim to be considered. If you make a claim for damaged items, we will ask for proof of the damage, which may include a repair quote.
If your baggage is delayed, damaged or lost by the carrier (airline or bus etc), cover may be available. You must notify the carrier and obtain a written report from the carrier (a PIR - Property Irregularity Report – in the case of an airline) and where possible obtain compensation from them.
At no time, for any reason, should you leave your bags or any personal items unattended, anywhere. You wouldn't do it at home so be even more careful when you are travelling.
Your belongings are not covered at all when:
We’re here to help if you have a question about travel insurance. We’re available: