since 11/2000
boat and golf insurance in Spain
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international travel insurance
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traducciones juradas (sworn translations)
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International Travel Insurance - Policy wording:
For residents of all countries outside the UK, USA and Canada
Main terms and conditions ( BUPA travel insurance )
Section 9 - Personal baggage
This section does not apply if Essential TravelCover has been chosen or the Premier or Gold Cover Option to exclude Baggage and Money cover has been chosen.
This section of the policy sets out the cover we provide for your personal baggage.
What is covered
9.1 Your personal baggage is covered if it is:
* lost or damaged
* stolen;
* destroyed
and not recovered during a trip.
The most we will pay for any one claim is £1,500 for each person insured under the policy of which:
* The most we will pay for any one item or any one pair or set is £300 per trip
* The most we will pay for valuables is £300 per trip per person insured under the policy
What is not covered:
a) the excess
b) 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 organisers, portable telephones, televisions, CD players, motorised or mechanically propelled or assisted vehicles, boats or any parts or accessories for any of them, business goods, stock or trade samples and any specialised equipment relating to your business, trade or profession.
c) Theft of personal baggage from a locked, unattended motor vehicle unless:
i) the items were locked out of sight in a secure area; and
ii) force and violence were used to get into the motor vehicle; and
iii) proof of forcible and violent entry is available
d) Theft of valuables from an unattended motor vehicle
e) Loss, damage or destruction by wear and tear, insects, vermin, denting, scratching, dyeing, and mechanical or electrical breakdown
f) Confiscation or detention by customs or other official bodies
g) Damage to any brittle or fragile items unless they are:
- damaged by fire; or
- damaged because of an accident which happens to a sea going vessel, aircraft or motor vehicle
h) Theft or losses from a roof or boot luggage rack other than the theft or loss of camping equipment
i) sports equipment while in use
j) Personal baggage when you have left it unsecured and unattended at any time in a place to which the public have access
k) The theft or loss of personal baggage which has not been reported to the local police within 24 hours of the incident. The incident report must be sent to us with your claim.
l) Damage to personal baggage in transit which has not been reported to the carrier within 24 hours of the incident. The incident report must be sent to us with your claim
m) Any item loaned, hired or entrusted to you
How we settle claims for personal baggage
If any item has been lost or damaged we will pay the cost of replacing the item as new after we have deducted an amount for wear and tear.
If the item can be repaired economically we will pay the cost of the repair only.
We will not pay for the cost of replacing or changing undamaged items or parts of items which belong to a pair or set when the loss or damage relates to a specific part or clearly defined area.
We will request receipts for goods where you are claiming for stolen or lost goods and we require reports from the local police and / or the carried for lost or stolen personal baggage.