Personal Belongings
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WE WILL PAY FOR

(i) Damage or theft of your personal belongings resulting from a specific incident which is completely beyond your control. For laptop computers and/or portable electronic property which you use during the period of insurance cover (including papers, specifications, manuscripts & stationery for their face value only.

(ii) The maximum amount we will pay for theft or damage of any one item (including any attached or unattached accessories), or set or pair of items of personal belongings is £960/€/$1,500 unless the item, set or pair of items has been specified on the policy schedule and the additional premium paid. The limit for any specified item, set or pair of items is £3,200/€/$5000 with a maximum for all specified items £6350/€/$10,000 Multiply Specified items total x .015 to calculate additional premium required.

(iii) In the event of a claim you must be able to support your claim with receipts and/or valuations

BASIS OF SETTLEMENT UNDER THIS SECTION

1. Payment. We are entitled to
     (a) choose to repair or replace your personal belongings or
     (b) pay the replacement cost of the item(s) being claimed for allowing for depreciation and      normal wear and tear.

Any item(s) more than one year old will be subject to due allowance for depreciation and wear and tear.

CONDITIONS

1. It is a condition of payment under this section that all claims for including damage attributable to theft or vandalism be reported to the local police or appropriate authority as soon as possible after the discovery of the loss. A written acknowledgement of the report must be obtained. Any loss of credit cards, travellers cheques or travel documents must be reported as soon as possible to the issuing authority and the appropriate cancellation measures taken.

2. (a) You shall take all reasonable precautions for the packaging, safety and supervision of any item(s) including laptop computers, portable electronic property, personal effects, travel documents, money and credit cards.
(b) You must not leave any personal belongings in unlocked or unattended premises, public place or in any unlocked vehicle at any time, nor in a vehicle over night.
(c) You must secure laptop computers and portable electronic property in a locked premise, strongroom or safe or out of sight in a locked vehicle and carry such items as personal hand luggage.

WE WILL NOT PAY FOR

(i) Reinstatement, Replacement or Damage to any electronic data or software.

(ii) Sratching or breakage of fragile or brittle items. This Exclusion does not apply to photographic, video equipment or binoculars.

(iii) Damage arising from wear and tear, deterioration, mechanical or electrical breakdown, atmospheric or climatic conditions, mould or fungus, insects, rodents, vermin, or any process involving cleaning or repairing.

(iv) Any item(s) shipped under a freight agreement, sent by a postal or courier service, or purchased over the internet.

(v) Losses due to depreciation or devaluation of currency.

(vi) Damage arising from the confiscation or destruction by Customs or any other authority.

(vii) Household furniture or household appliances being used by You for domestic use and non-portable business property, computer or electronic equipment.

(viii) Damage to sporting equipment including surfboards, sailboards, boogie boards and bicycles whilst in use.

(ix) Loss of data or any consequential loss.

(x) The first £65/€/$100 for any bicycle, cell phone or lap top claim.

(xi) Theft of money, bank securities, gold, silver or precious stones (other than personal jewellery.

(xii) Theft of personal belongings left unattended in a vehicle overnight.

(xiii) Theft of cameras, video recorders or jewellery left unattended in a vehicle.

(xiv) Personal belongings merely mislaid or forgotten.