Non-Medical Travel Insurance
Wording and Specific Exclusions
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Luggage and Personal Effects

WHAT WE WILL PAY FOR

We will cover You for loss where the item was not more than 1 years old at the time, and was:

• Lost, We will reimburse the replacement cost of the item or, if You do not promptly replace it, We will pay You the interim value of it.

• Damaged, We will pay You the cost of repairs, or the replacement cost, whichever is less.

Where the item was more than one years old at the time and was

• Lost, We will pay the interim value of it.

• Damaged, We will pay the interim value of it or the cost of repairs, whichever is less.

WE WILL NOT PAY FOR

• More than £320/€/$800 for any item or pair of items

• More than £650/€/$1000 in total for cameras, video cameras, photographic equipment, radios, personal stereo equipment, lap top computers, telescopes and binoculars, antiques, jewellery, watches, furs, precious stones and articles made of or containing gold, silver or other precious metals.

Delayed Luggage

We will reimburse You for Your purchases of essential items of clothing and toiletries. To obtain reimbursement You must provide written confirmation from the carrier that the luggage was delayed, and the original receipts for the purchases.

Exclusions Applicable to above Benefits

You are not covered for any claims arising from:

1. Loss or damage due to moth, vermin, wear and tear, atmospheric or climatic conditions or gradual deterioration.

2. Breakage of fragile articles, china, glass or sculptures.

3. Damage to sports gear whilst in use.

4. Loss or damage or delay of stamps, documents, deeds, manuscripts or securities of any kind.

5. Loss, damage while in the custody of an airline or other carrier unless reported immediately upon discovery and in the case of an airline a Property Irregularity Report is obtained.

6. Loss or damage to goods, samples or tools hired or held by You in trust for others but owned by others.

7. Loss or damage to contact or corneal lenses and non-prescription eye glasses (prescription glasses covered up to £75/€/$200 and limited to one claim each Year).

8. Shortages due to error omission or exchange.

9. Depreciation of value.

10. Confiscation or detention by Customs or other authorities.

11. Loss arising from unattended luggage.

12. Loss of money, travellers’ cheques, credit cards and vouchers (not reported to the appropriate authorities within 24 hours of the discovery of the loss).

13. Loss of or damage to money packed in suitcases or other similar containers unless carried by You personally.

Loss Deposit

We will pay or reimburse You for the loss of deposits paid and the extra reasonable costs You have to pay to change Your travel schedule if Your trip is necessarily and unavoidably cancelled due to unforeseeable causes of which are: The death, bodily injury or illness of:

1. You, or

• The person with whom You are travelling with or
• A Close Family Member of Yours aged under 75 living in Your Country of Residence; or
• The person whom You are travelling to or had arranged to travel to who is residence in Your Home Country and/or

2. Your jury service, or Your attendance under subpoena as a witness in a court of law; or

3. Your redundancy where You had been in the same full-time employment for a minimum period of 2 years

4. The compulsory quarantine restriction of either You or the person with whom You are travelling with.

Curtailment

If You have to curtail Your trip on the written advice of a Physician due to Illness or Bodily Injury, You are covered for irrecoverable costs of the unused portion of Your trip that You have pre-paid less any refunds that may be due to You.

Travel Delay

If Your travel is delayed for at least 12 consecutive hours and You do not wish to cancel the trip, We will reimburse You
up to £50/€/$75 full 12 hours delay up to a total of £150/€/200 for costs associated with the delay (including transport costs, accommodation and meals for which You had not budgeted for). The delay of 12 hours is calculated from the planned departure time of the journey and the delay must be due to the following causes:

• Unforeseeable strike or industrial action
• Adverse weather conditions
• Mechanical breakdown of the aircraft or boat on which the travel is to take place.

Missed Connection

If You miss Your pre-booked trip as a result of failure by public transport to reach Your destination in time We will reimburse You for either reasonable accommodation or travel expenses You actually incur to reach Your destination or catch up on Your planned itinerary.

The benefit schedule details any excess or co-insurance payable by You applicable to the Travel Insurance benefit.