Loss of Personal Belongings
We will pay the plan participant up to the amount stated in the benefit table in relation to Loss of Personal Belongings if their personal belongings are lost or stolen less a consideration, if applicable, for wear, tear and depreciation.

Conditions

The following conditions apply to this Section. Please also refer to the General Conditions at the end of this plan document.

1. The plan participants must ensure that any valuables are locked in a suitable sized safe or safety deposit box provided by their accommodation provider, or if safe or safety deposit box are not available, in their locked accommodation and there is evidence that entry into the accommodation was effected by violent and forcible means
2. The plan participant must report the theft of their personal belongings or Luggage to the Police (and the hotel management if it is stolen in a hotel) as soon as is reasonably practicable and an written report is obtained from the appropriate authorities and provided by plan participants to us.
3. The plan participant must provide proof of ownership of any valuables.
4. The plan participant must provide proof of purchase of replacement items of clothing or toiletries.
5. Any loss or damage occurring in the custody of an airline or other transport carrier must be reported immediately upon discovery and in the case of an airline a Property Irregularity Report must be obtained by plan participant and provided to us.
6. The plan participant must take all reasonable precautions for the safety of any insured article.
7. We are entitled to take and keep possession of any valuable and to manage all aspects of any salvage in a reasonable manner.
8. We will decide, based on our own opinion, whether we repair or replace any valuable for which a benefit it paid to the plan participant under this section.

Exceptions applicable to Personal Belongings
The following exceptions apply to this section. Please also refer to the General Exceptions at the front of this plan document.
We shall not be liable for any expense arising directly or indirectly from:
a. Any amount within the Deductible, as shown in the benefits table.
b. Any personal belongings stolen from an unattended vehicle unless
i. They were in the locked boot of the vehicle or concealed by a parcel shelf in the fixed position in a hatchback or estate vehicle or in the case of campervans and motorhomes locked away and out of public view.
ii. There is evidence that entry was affected by violent and forcible means.
iii. Other than between the hours of 8.00pm and 8.00am.
c. Any valuables stolen from an unattended vehicle.
d. Any valuables left unattended by the plan participant in their accommodation if the accommodation is left unlocked or the valuables were not left in a suitable sized safe or safety deposit box. However, this exclusion will not apply If a suitable sized safe or safe deposit box was not available and there is evidence that entry into the accommodation was affected by violent and forcible means.

e. Loss of or damage to valuables contained in baggage whilst such baggage is in the custody of an airline or other carrier and outside their control.
f. Loss or corruption of or damage to software, information or data contained in any computer, tapes or recording equipment or any consequential loss arising there from
g. Loss or damage due to:
i. Moth, vermin, wear and tear, atmospheric or climatic conditions or gradual deterioration.
ii. Inherent mechanical or electrical failure, breakdown or derangement.
iii. Any process of cleaning, restoring, repairing or alteration.
h. More than a reasonable proportion of the total value of a pair or set where the lost or damaged article is part of a pair or set.
i. Loss of or damage to pedal or motorcycles, watercraft, prams, buggies, pushchairs and wheelchairs.
j. Loss of or damage to stamps, documents (other than Passports), contact or corneal lenses, dentures, hearing-aids, fragile articles or business goods and samples.
k. Loss due to confiscation or detention by customs or any other authority.
l. Loss of or damage to sports equipment whilst in use.
m. Any article more specifically insured or recoverable under any other insurance.
n. Loss or damage to mobile phones or lap tops or tablets or other similar devices arising from any coverage under the manufacturer’s warranty or, unexplained disappearance or, any loss of airtime or, loss or damage due to moisture or, superficial damage due to chipping or cracking screen or damage due to any theft not reported to the police within 24 hours.

Pre-Trip Cancellation
We will indemnify the plan participant up to the amount stated in the benefit table for their of loss of deposits, or charges, or advance payments for travel or accommodation or other charges which have not or will not be used, but which become forfeit or payable under contract if they are forced to cancel their trip as the direct and necessary result of their accidental bodily injury or illness or the death or accidental bodily injury or illness of their partner, dependents or close relative.

The benefit can only be applied if such accidental bodily injury or illness occurs within 120 days of the effective date shown in the plan participants certificate of insurance

Exceptions
The following exceptions apply to this section. Please also refer to the General Exceptions at the front of this plan document.
We will not be liable for any claims resulting from or (if applicable) attributable to:
a. Any charges payable by the public transport provider, participating organization, travel agent, tour operator, hotel, airline or other carrier.
b. Any surcharges levied by the public transport provider, participating organization, travel agent, tour operator, hotel, airline or other carrier that increase the costs that the plan participant is liable for.
c. Any losses arising from the plan participant our failure or delay in notifying the public transport provider, participating organization, travel agent, tour operator, hotel, airline or other carrier or anyone else they are contractual liable too immediately it may be necessary to cancel their travel arrangements.
d. Any loss arising from the financial failure, insolvency, bankruptcy or default or the public transport provider, participating organization, the travel agent, tour operator or organizer, accommodation provider or carrier.
e. The plan participants disinclination to travel.
f. Any cancellation due to accident bodily injury or Illness that has not been confirmed as being medically necessary by a physician.
g. The pre-existing medical condition of the plan participants, plan participants partner, dependent or close relative before they purchased this plan document, or the condition could have reasonably been expected to result in sudden deterioration in their health or their death or they had been given a terminal prognoses.
h. If plan participant is called as an expert witness or their occupation normally requires their attendance at court.
i. The plan participant being aware at the time of purchasing this plan document of any reason why they might cancel. This plan document does not cover any claim in any way caused by or resulting from of any government restriction or prohibition of travel or closure of airspace following a public health emergency of international concern, Epidemic, pandemic or natural disaster
j. The plan participant suffering from
a) coronavirus disease (COVID-19);
b) severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
c) any mutation or variation of SARS-CoV-2;
d) any fear or threat of a), b) or c) above

unless they have had a Positive PCR test and are required to isolate and are unable travel or are receiving treatment for such or hospitalised.

The plan participants their partner, dependents or close relative suffering from
a. coronavirus disease (COVID-19);
b. severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
c. any mutation or variation of SARS-CoV-2;
d. any fear or threat of a), b) or c) above unless they have had a Positive PCR test and receiving treatment for such or hospitalised.