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SECTION 6

BAGGAGE

(THIS SECTION IS NOT INCLUDED ON THE ESSENTIAL [annual multi trip] POLICY)

Covered

A: PERSONAL BAGGAGE
Up to [click here] for the value of or repair to any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:

1. the Single Item Limit of [click here] for any one item, pair or set of items;
2. the Valuables Limit of [click here] for all valuables in total;
3. £100 in total for personal baggage on the beach;

B: DELAYED BAGGAGE
Up to [click here] for the cost of buying emergency necessities if your personal baggage is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (e.g. airline, shipping company etc.) or tour representative. Receipts will be required in the event of a claim.

Conditions

1. Any amount we pay you under B. (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2. You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal baggage. Failure to do so may result in your claim being turned down.
3. In the event of a claim for damaged items, proof of the damage must be supplied.
4. In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.

Not Covered

1. the policy excess of £50;
2. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3. if you do not exercise reasonable care for the safety and supervision of your property;
4. personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5. personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. personal baggage stolen from an unattended vehicle:
    a. unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle;

 b. if there is no visible evidence of forcible and violent entry;
 c. left for any period between the hours of 8pm and 8am (other than motor homes);
7. valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8. valuables within checked-in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9. damage to personal baggage whilst in the custody of an airline;
10. if your personal baggage is lost or delayed in transit and you do not:
     a.notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carrier’s report (or Property Irregularity Report in the case of an airline); or
     b.follow up in writing within 7 days to obtain a written carrier’s report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately;
11. contact or corneal lenses, hearing aids, dentures and false body parts or other prostheses;
12. watches and jewellery (unless as a result of mugging or any form of physical violence to you);
13. glass, china, pictures, musical instruments, antiques and precious stones;
14. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs);
15. tools of trade;
16. perishable items e.g. food;
17. loss, destruction, damage or theft due to:
     a.confiscation or detention by Customs or other officials or authorities;
     b.wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
     c.transportation by any postal service;
18. electrical or mechanical breakdown or manufacturing fault;
19. breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
20. any property more specifically insured or recoverable under any other source;
21. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
22. winter sports equipment, or activity sports equipment (unless the appropriate premium has been paid and this is shown on your insurance schedule);
23. anything listed in "Exclusions applicable to the whole policy".