Did you know that Safe Journey terrorism travel insurance includes cover for the loss, damage or theft of personal effects and possessions caused by an act of terrorism when you travel?
Valuables such as jewellery, cameras, etc. are covered for up to £250 per item, up to a maximum claim of £500, while cash of up to £200 is covered (or up to £50 for under-18s).
We’ll also cover the replacement of a lost passport (up to £450) as well as delayed luggage, if the delay is more than 12 hours, for up to £200.
These items have excess payments of just £75 – except for delayed luggage, which has no excess payment! Under-19s also don’t have an excess payment on their lost cash.
How does it work?
If you’re affected by an act of terrorism when you travel, for example if an airport closure means your luggage is delayedfor two days, this cover would apply.
- This includes reasonable costs for replacement items before your luggage is found/returned, such as a set of clothing, toothbrush and toothpaste.
Cover would of course also apply if you were directly affected by an attack, for example if your possessions were damaged by falling debris in an explosion.
If you need to claim for theft, it’s essential that you file a police report, and that the theft relates to an act of terrorism.
- Example: if you have to evacuate a hotel or airport because of an act of terrorism, and have to leave a suitcase behind, but on your return the suitcase has vanished without a trace - that would be covered.
Value of Items
Please remember that cover for items such as cameras will be valued with a deduction for wear and tear, based on the length of time you have had the item. If you have had the item for less than a year, we’ll need to see a receipt of purchase.
Safe Journey only provides cover for damage or loss due to terrorism, and will not cover other accidental loss, damage or theft when you’re on holiday or at home.
These details are a summary only – please visit our Policy Wording for full details, terms, conditions and exclusions of Personal Effects cover, as well as other cover provided by Safe Journey, including disinclination to travel.
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