Loss prevention

Please note the following points:

• In the event of loss or theft, report the event to the police or an appropriate authority within 24 hours and obtain a report. Failure to do so can prejudice a claim.
• If baggage is damaged or delayed in transit, obtain a loss report from the baggage handlers BEFORE leaving the airport.
• If you carry outsize baggage like bikes, skis, golf clubs etc, check for damage before leaving the airport, it is almost impossible obtaining a damage report once you are home which may mean you will not be able to make a claim.
• If you self elect to cut short your holiday without obtaining a medical report or authorisation from your insurer, you may not be covered for curtailment costs. Always obtain agreement prior to coming home early.
• Keep all receipts for medical and other expenses. Also keep you travel tickets and any other documents relating to your holiday, they may be required in the event of a claim.
• Do not leave valuables, money, cameras, electrical equipment etc unattended or in a car or tent. They will not be covered.
• Ensure when you leave for home you pack your bags and do not leave personal effects behind. Simply forgetting to bring home your belongings is not covered.
• Your insurance will only cover genuine accidental loss or damage and not wear and tear, negligent or deliberate acts. Abuse of travel insurance is a big problem for insurers so keeping your claims to genuine losses will help keep premiums at a realistic level.