Travel Personal Possessions...

PAW75

Hiya,

Hoping you will be able to help me. I've just been notified by my insurance company that i'm not covered on most of the items that were stolen as even though i got personnal possessions of up to £2,000 al my things were classed as valuables and only covered up to £300.

Can someone please help me out and tell me what the hell is personal possessions please......

Thanks PAW

FlameCloud

Where were they stolen from?

A single high risk item limit of £300 is very low. I assume this is travel insurance?

Personnel possessions is additional coverage on a policy that basically lets you lose stuff (inside or outside the house) or get it stolen/damaged outside the house. It is only stuff that you would normally carry though, hence you couldnt claim for losing say a plasma TV.

lisyloo

Personal possessions are for things you would wear or carry, so things like

watch, camera, sports equipment, sunglasses etc.

For an exact definition from your insurer you would need to read the documentation. They usually have a "glossary" or "definitions" section.

£300 does sound very low for valuables. A standard wedding or engagement ring or decent watch would be above this value.

Are you talking about a budget travel policy or are you talking about house insurance?

If you have bought a budget policy that's suitable for backpackers and then carried thousands of pounds worth of stuff around then I would advise you to read your policy up front and make sure it's suitable (or don't take the expensive stuff away with you).