Policy Wording - Insure me 4

• liability in respect of a pair or set of articles where we shall be liable only for the value of that part
of the pair or set which is lost or damaged;
• sports’ gear whilst in use;
• equipment used in connection with any winter sports or special sports and activities unless you
have paid the appropriate additional premium to extend your policy;
• loss or theft of or damage to money (please see Section 12);
• losses from a roof or boot luggage rack (other than losses of camping equipment, which remains
covered under this section);
• the policy excess;
• anything mentioned in the General Exclusions.
Section 11 Luggage delay on your outward journey
This section of cover applies to comprehensive policyholders only.
What is covered:
• If your luggage is certified by the carrier to have been lost or misplaced on the outward journey of
a trip for a period in excess of 12 hours but less than 48 hours, then you can claim an amount of
up to £50 (or over 48 hours up to £100) per insured person for the purchase of essential items.
Such sums will be refundable to us if the luggage or any part of it proves to be permanently lost and/or a
claim is made under the personal luggage section.
Special conditions relating to claims
You must provide receipts and a report from the carrier confirming the length of the delay – otherwise no
payment will be made.
What is not covered:
• any claim arising in connection with a trip solely within your home country;
• anything mentioned in the General Exclusions.
Section 12 Money and passport
What is covered:
• If during a trip, the money you are carrying on your person or you have left in a safety deposit box
is lost, stolen, damaged or destroyed, then subject to the following conditions and exclusions, we
will cover you up to an overall maximum under this policy of £200 Basics/£500 Comprehensive per
insured person in total.
• The maximum we will pay for cash is £200 per insured person. The maximum we will pay for cash
belonging to an insured person aged under 18 is £50.
• If you have bought Comprehensive cover and your passport is lost or stolen outside the country
of departure during a trip, we will pay up to £500 per insured person in respect of reasonable
additional travel and accommodation expenses you incur abroad to obtain a replacement passport.
We do not cover the replacement cost of the passport itself.
Special conditions relating to claims
Within 24 hours of discovery of the incident you must report loss of money or your passport to the local
Police or to the carrier, as appropriate, or to your hotel or accommodation management, or to the Tour
Operator representative.
Travel Insurance Policy Documents
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