Most travel policies will pay out for insured items that are lost or stolen. However, the payment made will reflect the current value of the item, taking into account wear, tear and depreciation from the date it was purchased.

 

 

skiier-becasue-accidents-do-happen

DescriptionAge of ProductAge of ProductAge of ProductAge of ProductAge of ProductAge of ProductAge of ProductAge of ProductAge of ProductAge of Product
Clothes0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
General clothing (Trousers, tops etc)0%20%40%60%80%100%100%100%100%100%
Underwear0%50%100%100%100%100%100%100%100%100%
Outerwear (coats, jackets, etc)0%15%30%45%60%75%90%100%100%100%
Hats0%15%30%45%60%75%90%100%100%100%
Socks0%50%100%100%100%100%100%100%100%100%
Stockings0%50%100%100%100%100%100%100%100%100%
Belts0%15%30%45%60%75%90%100%100%100%
Braces0%15%30%45%60%75%90%100%100%100%
Cosmetics and toiletries
(excluding items considered as “Duty Free”)
0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Make-Up25%50%100%100%100%100%100%100%100%100%
Hair products25%50%100%100%100%100%100%100%100%100%
Perfumes / Deodorants25%50%100%100%100%100%100%100%100%100%
Creams / Lotions25%50%100%100%100%100%100%100%100%100%
Brushes / Combs25%50%100%100%100%100%100%100%100%100%
Toothbrushes / Toothpastes / Mouthwashes25%50%100%100%100%100%100%100%100%100%
Luggage0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Handbags0%10%20%30%40%50%60%70%80%100%
Suitcases0%10%20%30%40%50%60%70%80%100%
Holdalls0%10%20%30%40%50%60%70%80%100%
Rucksacks0%10%20%30%40%50%60%70%80%100%
Briefcases0%10%20%30%40%50%60%70%80%100%
Electrical items & photographic equipment
(any item requiring power, either from
the mains or from a battery, and any equipment used with them)
0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
General electrical items0%10%20%30%40%50%60%70%80%100%
Laptops, computers, Ipads, Mac, Web books etc0%20%40%60%60%80%100%100%100%100%
Ipods, MP3 players, Diskplayers etc0%15.50%25%37.50%50%62.50%75%87.50%100%100%
Games consoles and games0%15.50%25%37.50%50%62.50%75%87.50%100%100%
Digital Cameras and memory cards0%15.50%25%37.50%50%62.50%75%87.50%100%100%
Disc, cassette and film cameras, camcorders0%15.50%25%37.50%50%62.50%75%87.50%100%100%
Used discs, cassettes and films0%100%100%100%100%100%100%100%100%100%
Satellite Navigation Equipment0%20%40%60%80%100%100%100%100%100%
Mobile telephones, accessories and call charges0%10%20%30%40%50%60%70%80%100%
Drones0%20%40%60%80%100%100%100%100%100%
Fine Jewellery and watches
(made of, or containing any precious
or semi-precious stones or metal)
0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Rings0%20%40%60%80%100%100%100%100%100%
Watches0%20%40%60%80%100%100%100%100%100%
Necklaces0%20%40%60%80%100%100%100%100%100%
Earrings0%20%40%60%80%100%100%100%100%100%
Bracelets0%20%40%60%80%100%100%100%100%100%
Body Rings0%20%40%60%80%100%100%100%100%100%
Eyewear0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Spectacles0%15%30%45%60%75%90%100%100%100%
Sunglasses / Prescription Spectacles0%20%40%60%80%100%100%100%100%100%
Binoculars and telescopes0%5%10%15%20%25%30%35%50%75%
Footwear0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Boots0%50%75%100%100%100%100%100%100%100%
Shoes0%20%40%60%80%100%100%100%100%100%
Trainers0%5%10%15%20%25%30%35%50%75%
Sandals0%20%40%60%80%100%100%100%100%100%
Winter sports equipment
(If not standard, only applicable when
additional premium has been paid)
0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Skis / Snowboards0%40%45%50%55%60%70%80%90%100%
Ski suits0%15%30%45%60%75%90%100%100%100%
Ski boots0%15%30%45%60%75%90%100%100%100%
Golf equipment (If not standard,
only applicable when additional premium
has been paid)
0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Golf clubs and woods0%20%40%60%80%100%100%100%100%100%
Golf trolley0%15%30%45%60%75%90%100%100%100%
Golf footwear and clothing0%15%30%45%60%75%90%100%100%100%
Fishing equipment (If not standard,
only applicable when additional premium
has been paid)
0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Fishing lines and nets0%15%30%45%60%75%90%100%100%100%
Other fishing equipment (tents etc)0%10%20%30%40%50%60%70%80%100%
Business equipment (If not standard,
only applicable when additional premium
has been paid)
0-6 Months6-12 Months12-18 Months18-24 Months24-30 Months30-36 Months36-42 Months42-48 Months48-60 MonthsOver 60 Months
Business equipment0%20%40%60%80%100%100%100%100%100%

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