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What is not covered
by travel insurance policies
Many of us are tempted to
purchase travel insurance just in case the
travel gods are not looking down on us.
Travel insurance covers several items, many of
which provide an invaluable benefit.
However, the theft of your property is another
thing. Below is a sample of a travel
insurance policy, specifically the section
covering lost or stolen items. This is a
list of the items they do not cover and by what
circumstances the theft occurs. Always
review your policy to know it's limits. Realize
that you may have to rely on your personal
homeowners policy for reimbursement. For
additional information on the types of claims
made to travel insurance companies, click
These are samples of
the personal belongings section of two travel
Condition: The Insured
Person should take all practical steps to
recover articles lost or stolen. Any items which
become the subject of a claim for damage shall
be retained for inspection and shall be
forwarded to the Insurer upon request at the
expense of the Insurer. All such items shall
become the property of the Insurer following
final settlement of the claim. Any loss which
gives rise to a claim under the Policy must be
reported to the Police within 24 hours of the
loss being discovered. A Police report must be
WHAT IS NOT COVERED:
- The first $50.00 of each
and every claim per Insured Person.
- Any event occurring from
the Insured Person's negligence, or acting
in a non-prudent manner, or leaving personal
belongings unattended in a public place.
- Money and Valuables
must be carried by the Insured or locked in
a safe deposit box at all times, and never
shipped in checked-in baggage.
- Loss or theft which has
not been reported to the Police within 24
hours of discovery. See also
"Condition" under same section,
- Loss or damage caused by
delay, wear and tear, moth, vermin,
atmospheric or climatic conditions,
deterioration or mechanical derangement of
any kind. Loss or damage caused by spilled
fluid from cosmetic or beverage containers
whilst in the baggage.
- Hired or borrowed
property or equipment (except for hired ski
equipment when winter sports are selected).
- Property of the Insured
Person which has been entrusted to a third
- Claims relating to
loss, damage or theft from an unattended
vehicle except where the incident occurred
between 9am and 7pm local time and where
the items were in a locked boot and not
visible and where entry was effected by
violent and forcible means. The maximum
compensation will not exceed $285.00 per
vehicle. Loss or theft of Valuables and
Money from an unattended vehicle is never
covered. (this means if your rental car is
ever broken into you are not covered)
- Claims in respect of
money for losses arising from shortages due
to error, omission or depreciation in value.
- Claims arising from
confiscation or detention by customs or
other lawful officials and authorities.
- Claims in respect of
documents of any kind, except for passports.
- Damage to fragile or
brittle articles unless by fire or by
accident to a vessel, aircraft or vehicle. Photographic,
optical, audio/video and computer equipment,
bicycles, watches, sports equipment and
ceramic/glass items will be deemed as
fragile and brittle. A carrier report
stating the nature of the event giving rise
to a claim must be submitted.
- Loss or damage to or
theft of spectacles, sunglasses, contact
lenses, suitcases and umbrellas.
- In the event of loss,
damage or delay whilst baggage has been in
the control of a carrier, no compensation
will be allowed prior to receipt of
compensation by the carrier. In these cases
this compensation will be deducted from the
cover under this Insurance. If an Insured
Person fails to claim from the carrier, the
amount payable, if any, under this section
will be reduced by the maximum amount
allowed by the carrier. A Property
Irregularity Report must be provided,
clarifying the nature of the incident.
- When the items or part
thereof are covered by household insurance,
the cover under this Policy will be only for
the excess and will be paid after receipt of
compensation of the household insurance.
- Items which have not been
noted on the police report, or Property
- Should any contradictory
information or discrepancies concerning a
claim, come to our knowledge and could be
deemed as an attempt to effect the Insurers
judgment on a claim, all benefits under the
Policy shall be forfeited.
Here is another sample
What is not covered:
- any item loaned, hired or
entrusted to you.
- any loss of personal
baggage stolen from an unattended motor
vehicle if the items concerned have not been
locked out of sight.
- theft of valuables
from an unattended motor vehicle or from
luggage in transit. (this is the most
common theft from travelers on the road yet
most insurance polices do not cover car
- electrical or mechanical
breakdown or derangement of the article
- wear and tear, moth or
vermin, denting or scratching, or any
process of dyeing or cleaning.
- confiscation or detention
by Customs or other lawful officials and
- contact or corneal
lenses, dentures, bonds, securities, stamps
or documents of any kind, musical
instruments, typewriters, glass, china,
antiques, pictures, pedal cycles, hearing
aids, coupons, computers, personal
organizers, portable telephones,
televisions, CD players, vehicles or
accessories, boats and/or ancillary
equipment, samples or merchandise or
business goods or specialized 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.
- 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 while in use.
- 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