WHAT YOU ARE COVERED FOR

Personal belongings; up to £2000

If you accidentally lose your personal belongings, or if they are stolen or damaged, you can claim up to £2,000 to replace or repair them. We will take an amount off for wear and tear and loss of value. There is a limit of £350 for one item, pair or set. The overall limit for valuables, compact discs and pre-recorded audiotapes is £350.
Snow sports, activity, dive and golf equipment is covered separately, see below.

Snow sport / Activity / Dive / Golf equipment; up to £1000

Subject to the appropriate premium having been paid you will be covered for the replacement cost (after allowing for wear, tear and loss of value) of your snow sport equipment (snowboard or skis including bindings, boots and poles), activity equipment, dive or golf equipment if it is lost, stolen or damaged. The total limit for hired equipment which is lost, stolen or damaged is £500. The single item limits are as follows: set of skis or snowboard including bindings £700; kayaks, canoes, windsurfers, surfboards and dive equipment £500; bikes £500; otherwise the general single item limit is £350 other than for sets of golf clubs, which are covered up to £1000 in all per set/bag.

NB: Activity Equipment is defined as any equipment necessary for the pursuit of an insured activity other than clothing, footwear, baggage and valuables which are covered under the Personal Belongings heading.
Ski Lift Passes are included in the cover provided by the Money and Documents Section.

Equipment hire; up to £250

If your own snowsport, activity equipment, dive or golf equipment is lost, stolen or damaged, you will be covered for the reasonable cost of hiring ski or activity equipment up to £25 a day.

Temporary loss of personal belongings; up to £250

If your personal belongings are temporarily lost for more than 12 hours on your outward journey, you can claim up to £250 for the things you need to buy.

Money and documents; up to £500

We will repay you if you lose any of the following or they are stolen: your bank notes, coins, traveller’s cheques, travel tickets, admission tickets, meal vouchers, ski lift pass and passport. There is a limit for cash of £300 for each adult and £50 for each child under 16. This cover starts from the time you get the money or documents or 72 hours before you leave home to go on your trip, whichever is the later.

Loss of passport; up to £250

You will be covered for all necessary and reasonable extra travel and accommodation expenses involved in getting a replacement passport if it is lost or stolen during the period of insurance.

WHAT YOU ARE NOT COVERED FOR

As well as the general conditions, the following exclusions and conditions apply:

1.a

1. Loss, theft or damage to your personal belongings and equipment during your outward or return journey if you do not get a written ‘carrier’s report’ or a ‘property irregularity report’ in the case of an airline.
2. Loss or theft of your personal belongings, equipment, money, documents and passport at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.

Note: if you cannot report the loss or damage to the airline straight away, you must do so in writing within seven days. If you cannot obtain a police report because of location or language problems, report your loss to your tour operator, hotel manager or other authority and obtain their written notification of the nature of your loss.

2. Breakage of or damage to fragile articles, digital video camcorders, audio, video or computer equipment (unless the breakage or damage is caused by a malicious or criminal act) and any other loss or damage caused by the breakage.
3. Loss or damage caused by delay, wear and tear, moth, vermin, weather and atmospheric conditions or mechanical failure.
4. Loss or theft of or damage to contact or corneal lenses, mobile phones, unset precious stones, securities, deeds, documents or property held for business purposes.
5. Loss or theft of or damage to valuables if you leave them in baggage which is checked in to the carrier.
6. Loss or theft of or damage to valuables you are not carrying with you unless you have kept them in locked accommodation, a safe, or a safety deposit box.
7. There is no cover for personal belongings left in an unattended vehicle overnight except overnight stops on outward or return journeys. It should be noted that cars parked next to a tent in which you are sleeping is not deemed unattended.

2. The first £35 of every claim made for each of you will not be paid (not applicable to equipment hire, temporary loss of belongings and loss of passport).

1. You must take proper care of your belongings and act as if you did not have this insurance.

2. If your claim involves a pair or set (other than skis or golf clubs), we will only pay the value of the part of the pair or set which is lost, stolen or damaged.

3. You must keep any damaged property so that we can inspect it. When we make a payment for that property, it will then belong to us.

4. You are not covered for claims for which you receive compensation from someone else.

ADDITIONAL EXCLUSIONS FOR EQUIPMENT
1.

1. Loss or damage to snowsport or activity equipment whilst being used for racing, race training or competition.
2. Loss or theft of snowsport, activity, dive or golf equipment you are not carrying with you unless you have kept it in locked accommodation or the locked boot of a car or protected it by using a recommended locking device secured to an immovable object (this exclusion does not apply to skis left unattended during the day time for the purpose of obtaining refreshments).
3. There is no cover for snowsport, activity, dive or golf equipment left in an unattended vehicle overnight except overnight stops on outward or return journeys. It should be noted that a car parked next to a tent in which you are sleeping is not deemed unattended.
4. Damage to mountain bikes, canoes and kayaks when in use including cracking, scratching or denting

ADDITIONAL CONDITIONS FOR TEMPORARY LOSS
1. As well as getting an authorised ‘property irregularity report’ from the carrier or handling agent, you must also write to them within 21 days of receiving your property back to confirm you had to buy replacement items.

2. If your personal belongings are never found and we agree to pay for permanent loss, we will take off any amount paid for temporary loss.

ADDITIONAL EXCLUSIONS FOR MONEY AND DOCUMENT LOSS
1. Loss of value or shortages caused by mistake;

2. Money left in baggage which you have checked in to the carrier or which you do not keep with you, unless it is in locked accommodation, a safety deposit box or a safe.

ADDITIONAL CONDITIONS FOR LOSS OF PASSPORT
You are not covered for any expenses arising after you have returned to the United Kingdom or Channel Islands.