There are some items that we do not cover, even as a specified item.
Items we do not cover include:
Aircraft, aerial devices (includes drones) or the parts of these
Motor vehicles, motor cycles, scooters, trailers, caravans, or parts of these.
Watercraft or the parts of these.
Bonds, coupons, stamps, negotiable instruments, bullion, precious metals, deeds, manuscripts or securities of any kind, (or any transactions involving these).
Software or programmed data, downloaded files
The excerpt from the Policy Wording which applies follows, please ensure you read the complete Combined FSG & PDS including Policy Wording before you purchase.
Losses We Do Not Cover Under Sections 3 & 4
We will not pay for any claims, costs or losses directly or indirectly arising from, related to or associated with:
(a) The loss, theft or damage of personal items, cash, bank cards or travel documents:
1. left Unattended in a Public Place; or
2. left in a vehicle overnight; or
3. from unlocked premises or an unlocked vehicle.
(b) The loss, theft or damage of jewellery, watches, cash, bank cards or travel documents:
1. left Unattended in a vehicle (including taxis); or
2. not carried on Your person when using transport providers; or
3. left in Your accommodation where a safe or locker has been provided and You fail to use it.
(c) Unaccompanied baggage, other items, cash, bank cards or travel documents sent by postal or courier service.
(d) Sporting equipment or bicycles damaged whilst in use.
(e) Software or programmed data, downloaded files or the electrical or mechanical breakdown of any personal item.
(f) Household effects, breakage of glass, fragile or brittle items (except for photographic or video equipment, binoculars, spectacles or contact lenses), depreciation, moth, vermin, any process of cleaning, dyeing, repairing, restoring, wear and tear, leakage, gradual deterioration, atmospheric or climatic conditions, action of light or manufacturing defects.
(g) Bonds, coupons, stamps, negotiable instruments, bullion, precious metals, deeds, manuscripts or securities of any kind, or any transactions involving these.
(h) Devaluation of currency or shortages due to error or omission during monetary transactions.
(i) Fraudulent use of credit cards, bank cards or mobile phones.
(j) Any goods or personal items which are intended for sale, trade, valuation or as trade samples.
(k) Motor vehicles, motor cycles, scooters, trailers, caravans, watercraft, aircraft (or other aerial devices) or the parts of any of these.
(l) Cameras and related equipment, and electronic devices including laptops, personal computers, tablets, phones and navigation devices, that are packed in checked luggage or luggage not stored with You when using transport providers.
(m) Warranties, support plans, postage or insurance premiums paid on personal items.
(n) Your Travelling Companion’s personal items, cash, bank cards or travel documents.