Section 4 - Personal Belongings, Baggage and Money

1. After taking off an amount for wear, tear and loss of value, we will pay for the loss, theft or damage to property owned by you with a limit for any one item, set or pair of £200 for Premier and Annual cover or £100 for Gap Year cover only.
   Note: We provide cover for theft or loss from unattended motor vehicles, trailers or caravans under subsection 4.1 only. We will only pay up to £100 for each person.
2. After taking off an amount for wear, tear and loss of value, we will pay for loss or theft to valuable items that you own. We will pay up to £400 for Premier and Annual cover only with a limit for any one item, set or pair of £200.
3. We will pay up to £100 for Premier and Annual cover only for buying essential items if your baggage is delayed or lost during an outward journey for more than 24 hours. You must get written confirmation of the length of the delay and receipts for any items that you buy. You must get authorisation from Swiftcover Claims Team if you want them to increase this limit up to £400 to buy essential items to allow you to continue your trip. We will take any payment we make for delayed baggage from the amount of any claim if your baggage is permanently lost.

4.3 - Passport and Travel Documents
(This applies to Premier and Annual cover only).
We will pay for the following:
We will pay up to £300 for the cost of replacing your passport, travel tickets, Green Cards and admission tickets only.

1. The first £50 of each claim for each sub-section, for each person.
2. Breakage of fragile articles (including china, glass, sculpture, cameras and video equipment) or sports equipment whilst in use.
3. Theft, loss or damage to household goods, pedal cycles, prams, buggies, wheel chairs, motor vehicles, watersports equipment, marine equipment and craft and their accessories.
4. Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within your baggage.
5. Shortages due to mistakes or neglect.
6. Any loss, theft or damage which you do not report to the police within 24 hours of discovering it and for which you do not get written acknowledgement.
7. If your belongings are delayed or held by any customs or other officials legally taking your belongings.
8. Cash which you do not carry on your person (unless it is held in a safety deposit box or safe).
9. Theft, loss or damage to valuables not carried in your hand baggage while you are travelling.
10. Theft or loss to valuables left unattended in a motor vehicle, trailer, tent or caravan.
11. Theft, loss or damage to dentures, bridgework, corneal lenses, contact lenses, spectacles, sunglasses or artificial limbs or hearing aids.
12. Any item, set or pair worth more than £50 which you cannot provide evidence of ownership for.
13. Personal Belongings or money you leave unattended in a public place.
14. Any loss, theft or damage to items carried on a vehicle roof rack.
15. Theft, loss or damage to baggage or personal belongings during a journey unless you report this to the carrier and get a property irregularity report at the time of the loss.
16. Loss or theft of personal belongings or baggage while not in your control or in the control of any person other than an airline or ferry company.
17. Valuables whilst they are out of your immediate control and supervision unless locked in a safe or security box.
18. Anything shipped as a bill of loading.
19. Any claim for accidental damage of valuable items.