Policy Wording - Insure me 4

Section B – Wedding attire & gifts
What is covered:
We will pay you up to a maximum of £1,500 per couple in the event of permanent loss, theft or damage
to your wedding attire and up to a maximum of £1,000 per insured couple in the event of permanent
loss theft or damage to your wedding gifts during the period of insurance, for the repair, replacement or
reinstatement of the lost, stolen or damaged wedding attire or wedding gifts.
Special conditions relating to claims (applies to Sections A and B)
We have the option to either pay you for the loss or replace, reinstate or repair the items concerned.
Payment will be on the basis of the current value of the items concerned, after a deduction for normal wear
and tear and bearing in mind the age of the items.
You must take all normal precautions to secure the safety of your wedding rings, wedding attire and
wedding gifts, and must not leave them unsecured or outside your reach or unattended at any time in a
place to which the public have access.
If you are claiming for stolen or lost items you must produce a receipt for the purchase of the original items
wherever possible, which will simplify our assessment of the claim and speed up payment. Within 24
hours of the incident you must report loss of your wedding rings, wedding attire and/or wedding gifts to
the local police or to the carrier, as appropriate, (damage to your wedding rings, wedding attire and/or
wedding gifts in transit must be reported to the carrier).
If you are unable to obtain a report from the Police, then you must report the loss to your hotel or
accommodation management, or to your Tour Operator representative.
You must produce to us written documentation from one of these listed parties confirming that the loss or
theft occurred during the trip – otherwise no claim will be paid.
What is not covered (applies to Sections A and B):
• any item loaned, hired or entrusted to you.
• any loss of from an unattended motor vehicle if:
- the items concerned have not been locked out of sight in a secure luggage area.
- no forcible and violent means have been used by an unauthorised person to affect entry into the
vehicle; and
- no evidence of such entry is available.
• theft of valuables from an unattended motor vehicle, luggage in transit, or from luggage left in the
custody of the hotel.
• wear and tear, damage caused by moth or vermin, denting or scratching, atmospheric or climatic
conditions, deterioration, depreciation or any process of dyeing or cleaning.
• confiscation or detention by Customs or other lawful officials and authorities.
• bonds, securities, stamps or documents of any kind, musical instruments, glass, china, antiques,
pictures, coupons, personal organisers, electronic audio or digital media, games consoles, laptops,
tablets and other computer equipment and hand-held electronic devices including but not limited
to MP3 players, MP4 players, smart phones, Blackberries, iPods, iPads, Kindles and the like
and associated software, vehicles or accessories, boats and/or ancillary equipment, samples or
merchandise or business goods or specialised equipment relating to a trade or profession.
• damage to fragile or brittle articles unless by fire or resulting from an accident to a sea going
vessel, aircraft or vehicle.
• losses from a roof or boot luggage rack.
• the policy excess;
• anything mentioned in the General Exclusions.
42 Travel Insurance Policy Documents