What Is Personal Effects Cover?

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?

 

What’s Covered?

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.

 

 

 

Single Trip Cover

From £5.17* per person

  • Travel insurance that covers disinclination to travel if your destination is affected by terrorism before you travel.
  • Safe Journey provides comprehensive travel insurance just for acts of terrorism.
  • Single Trip insurance provides cover for up to 180 days of continuous travel.
  • Available for singles, couples and families and with no maximum age limit and no medical screening requirements.
  • For Business and Leisure travellers.
  • For UK, Channel Island and Isle of Man residents when travelling in the UK and abroad, when you have booked and pre-paid your flights or accommodation.
  • Safe Journey covers up to £2000 per person for travel arrangements, if where you are staying is affected by terrorism and you want to return home.
  • Travel delays caused by acts of terrorism are covered.
  • Personal possessions including money and passports are protected whilst you travel against damage or loss as a result of acts of terrorism.
  • 24 hour (UK based) emergency assistance to help you after an act of terrorism.
  • Maximum excess per claim £100
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*For up to 8 days travel, Worldwide. £53.73 for 180 days continuous travel, Worldwide.

Annual Multi-Trip Cover

From £15.66 per person

  • Travel insurance that covers disinclination to travel if your destination is affected by terrorism before you travel.
  • Safe Journey provides comprehensive travel insurance just for acts of terrorism.
  • Annual Multi-Trip insurance for travel durations of up to 31 days, for each trip you take during a year.
  • Available for singles, couples and families and with no maximum age limit and no medical screening requirements.
  • For Business and Leisure travellers.
  • For UK, Channel Island and Isle of Man residents when travelling in the UK and abroad, when you have booked and pre-paid flights or accommodation.
  • Safe Journey covers up to £2000 per person for travel arrangements, if where you are staying is affected by terrorism and you want to return home.
  • Travel delays caused by acts of terrorism are covered.
  • Personal possessions including money and passports are protected whilst you travel against damage or loss as a result of acts of terrorism.
  • 24 hour (UK based) emergency assistance to help you after an act of terrorism.
  • Maximum excess per claim £100
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†31 Days any-one-trip, Worldwide.

Protection For a Changing world

£1 million Medical Expenses cover

Medical Repatriation cover

Evacuation and Emergency Temporary Accommodation cover

£100,000 Permanent Total Disablement cover