Section H - Personal belongings, baggage and money

What you are covered for

We will pay up to the overall limit shown on the Schedule of Benefits for the following

H1 - Personal belongings and baggage

• After taking off an amount for wear, tear and loss of value, we will pay for loss, theft of or damage to the following:
• Property owned by you with a limit for any one item, set or pair of £200.
• Valuable items that are owned by you up to the overall limit of £300 with a limit for any one item, set or pair of £200.
• Winter sports equipment up to £300 with a limit for any one item set or pair of £200 (subject to payment of the appropriate additional premium for winter sports cover).
• We will pay up to £100 for buying essential items if your baggage is delayed or lost during an outward journey for more than 24 hours. You must get written confirmation of the length of the delay and receipts for any items that you buy. We will take any payment we make for delayed baggage from the amount of any claim if your baggage is permanently lost.

Note: We provide cover for theft or loss from unattended motor vehicles, trailers or caravans under subsection H1 only. We will only pay up to £100 for each insured person provided the articles are kept in a locked vehicle, trailer or caravan and kept out of sight.

H2 - Personal money

We will pay for the following.

• We will pay up to £500 for the loss or theft of money, if you can give us evidence of your ownership and value. The maximum we will pay for cash is £300. The most we will pay for each insured child under 16 years of age is £50.

H3 - Passport and travel documents

We will pay for the following.

• We will pay up to £250 for the cost of replacing your passport, travel tickets, Green Cards and admission tickets

Please read the general conditions, exclusions and Schedule of Benefits.

What you are not covered for under Section H:

• The first £50 of each claim which falls under H1 (1) and H2 for each insured person.
• Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use.
• Theft, loss of or damage to household goods, pedal cycles, motor vehicles, marine equipment and craft and their accessories.
• Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within your baggage.
• Shortages due to mistakes, neglect, omission or depreciation in value.
• Any loss or theft which you do not report to the police within 24 hours of discovering it and for which you do not get a written report.
• If your belongings are delayed or held by any customs or other officials legally taking your belongings.
• Cash which you do not carry on your person (unless it is held in a locked safety deposit box).
• Theft, loss or damage to photographic, electrical equipment, electrical items or valuables not carried in your hand baggage while you are travelling.
• Theft, loss of or damage to dentures, bridgework, corneal/contact lenses, spectacles, sunglasses, mobile telephones or artificial limbs or hearing aids.
• Property you leave unattended in a public place.
• Any loss, theft or damage to items carried on a vehicle roof rack.
• Theft, loss or damage to baggage or personal belongings during a journey unless you report this to the carrier and get a property irregularity report at the time of the loss.
• Damage caused to suitcases, holdalls or similar carriers unless you cannot use the damaged item.
• Loss or theft of personal belongings or baggage while not in your control or in the control of any person other than an airline or transport company.
• Loss of passport if you do not report the loss to the Consular representative of your country of nationality within 24 hours of discovery and obtain a report confirming the date of loss and the date on which a replacement passport was obtained.
• Winter sports equipment (unless the appropriate additional premium has been paid to upgrade your policy to include winter sports or unless you have arranged Annual Multi-Trip cover).
• In the event of a claim for damage evidence of the damage will be required.

Please read the general conditions, exclusions and Schedule of Benefits.