The amount you can claim per item and in total for your baggage and personal items if lost, damaged, destroyed or stolen will depend on the plan you buy – Standard Plan or Explorer Plan – how many travellers are listed on your policy, your country of residence and if you have valuables and specified high value items.
The following items are considered valuables and gadgets under the policy:
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 have a combined limit of cover. Of course if you list any of your valuables as specified items then they will be covered separately and won't be part of this combined limit.
Your baggage and personal items when lost, stolen, damaged or destroyed, if you look after them properly. That means, keep them with you as much as possible or, if you must leave them, ensure they’re in a locked compartment out of sight lines.
Your checked-in baggage when lost, damaged or delayed by a common carrier (eg airline or bus company).
Your passport, travel documents and driver’s licence when stolen or lost.
Your money (Explorer plan only).
Essential items when your baggage is delayed by a common carrier (e.g. airline or bus company) for over 24 hours.
Be aware that there will be allowances for wear and tear; (depreciation) unless it's a specified item where an additional premium has been paid, in which case no depreciation will apply.
You must report lost or stolen items within 24 hours to the police and provide us with a police report. If your baggage goes missing while in the custody of a transport provider, you need to obtain a Property Irregularity Report (PIR) from them. This includes bags that are delayed in transit. 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.
The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for full details, limits to cover and exclusions. If you are unsure of the cover, please contact customer service for help.
At no time, for any reason, should you leave your bags or any personal items unsupervised, 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:
You don’t exercise reasonable care for the safety and supervision of your personal baggage;
They are left unattended at any time. Cover applies only when they are with you or locked in a safe or safety deposit box. If no safe or safety box is available, items must be stored responsibly out of plain view;
They are left unattended in a vehicle unless left in a locked glove compartment, rear boot or luggage area and covered so as not to be visible from the outside of the vehicle and there is evidence of forcible and violent entry;
They are hired, loaned or entrusted to you. That is, you must actually own the items you claim for; and
Anything else that’s listed in the exclusions under Personal Belongings in the policy wording.
We're here to help if you have a question about travel insurance.
Before your trip, check the latest government advice for any travel alerts for your destination.