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Loss and delay of personal belongings

Protect your personal belongings
every step of the way with comprehensive cover for a worry-free trip.

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Loss and delay of personal belongings

Travel mishaps are never fun, but they don't have to ruin your trip. With TripCovered's comprehensive travel insurance cover for your personal belongings, you're protected against loss, theft, and damage allowing you to focus on enjoying your travels without worrying about your essentials.

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Lost or damaged personal belongings is more common than you think, especially during international or multi-leg flights.

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If your personal belongings are delayed, travel insurance reimburses you for essential items like clothing and toiletries to keep you comfortable until your bags arrive.

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Knowing your personal belongings are covered allows you to enjoy your trip without constantly worrying about mishandling or theft, so you can focus on your adventure.

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Replacing lost or stolen personal belongings, can be costly. Insurance protects you from these unexpected expenses.

Conditions of cover

  • You must report the loss to the police or similar authorities and submit police report with your claim.
  • Written proof of loss or delay from the transport provider must be submitted with any claim along with receipts in support of the purchase of emergency essential items.
  • Cellphones must be blacklisted and proof thereof submitted as supporting documentation with your claim.
  • Any electronic equipment (including but not limited to cameras, cellphones, satellite phones, navigation systems, laptops, tablet/personal computers, eReaders) must accompany you as hand / cabin luggage and proof of ownership must be provided.
  • You must always attempt to make a recovery from the transport carrier and never leave an airport or station with a damaged suitcase and/or one that has been tampered with.
  • You must exercise reasonable care for the safety, security, and supervision of property at all times and must not leave property unattended in a public place, unlocked building, or unattended vehicle.
  • Any claim will be deemed to be in excess of cover provided by the transport carrier.
  • All jewellery, cash, and documents must be carried on your person or locked in a safety deposit box or safe.

What's covered

We will reimburse you in the event of accidental loss of:

  • Your personal effects: items that you normally wear or carry on yourself
  • Non-refundable accommodation vouchers
  • The reissuing cost of existing travel tickets, travel currency cards, bank cards, visas, passports, and vouchers.

What's not covered

We will not pay claims arising from:

  • Any loss that has not been reported within 48 hours to the most appropriate authority where the loss occurred (for example the local Police Station, Airline, Airport Security, Hotel or Rail Station). You must provide us with written proof that the loss was reported within 48 hours.
  • Items left in taxi cabs, uber vehicles, or trains
  • Delay, detention, destruction, or confiscation by customs officials or other authorities
  • Your contractual obligations resulting from a mobile or satellite phone
  • Wear and tear, mildew, rust or corrosion, the action of insects, moth or vermin, clothing or personal effects being cleaned, dry cleaned, dyed, altered or repaired
  • Loss or damage to fragile, glass, or brittle items
  • Theft from an unattended vehicle unless such property is securely contained in a compartment of the vehicle that is not visible to passersby and entry to the vehicle is gained by visible, forcible, and violent means
  • Mechanical or electrical breakdown or derangement
  • Loss or damage to bonds, stamps, negotiable instruments, manuscripts, deeds, securities of any kind, or bullion
  • Loss or damage to the following items are excluded from cover: - Sporting equipment or tools of trade while in use - Surf boards, fishing rods, bicycles, baby prams or carriers, and/or camping equipment and all accessories - Consumables such as cosmetics, perfume, chocolates, alcohol, and prescription medication - Drones - Unaccompanied personal belongings - Jewellery and/or cash left unattended or not locked in a secure safe or safety deposit box - Mobile or satellite phone and its fittings unless personally carried with you - Fragile, glass, or brittle items

*Note: a formal quote will provide comprehensive details on benefits, limits, cover terms, conditions, and exclusions.

Summary of benefits of TripCovered's travel insurance for your personal belongings

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Protection against loss or theft:

Get reimbursed for lost or stolen personal belongings, so you can replace all your travel essentials.

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Compensation for delayed personal belongings:

Should your personal belongings be delayed, TripCovered Travel Insurance provides reimbursement for immediate essentials like clothing and toiletries, so you're never left unprepared.

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Cover for damaged personal belongings:

If your personal belongings are damaged in transit, TripCovered Travel Insurance will cover the cost of repairs or replacements.

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Worldwide cover:

No matter where your travels take you, TripCovered's travel insurance cover offers global protection, ensuring you're covered whether you're exploring a city or relaxing on a beach.

Important single item and specified item limits

Single item limits apply for any one single item, for instance a single item of clothing. Please check your schedule of insurance for the limit of liability.

The items listed below, along with all accessories, attachments, fittings, extensions, and applications, are regarded as single items, and subject to a reduced single item limit of liability as indicated on the policy schedule of insurance:

Cameras. Proof of ownership required
Mobile phones and/or satellite phones. Proof of blacklisting and proof of ownership required
Spectacles, sunglasses, and contact lenses. Proof of ownership required
Sporting equipment, including the carry bag. Proof of ownership is required when making a claim
Jewellery. We must receive the original or certified copies of valuation certificates or some form of proof of ownership that we agree to, that was issued before the start date of your trip
Dress watches, sports watches, and activity trackers. Proof of ownership required when making a claim
Laptops or tablet personal computer. Proof of ownership must be provided when making a claim
Keys and locks
Dentures
Hearing aids
Headphones and air pods (pair/set). Proof of ownership required
Damage and/or theft of suitcases, travelling bags, handbags, wallets, purses, and/or backpacks,