Gold, Gold Plus, and Platinum policies cover loss, theft, damage, or delayed baggage, personal money, passports, and travel documents during trips, with varying limits and excesses. Claims require timely reporting and proof. Optional gadgets and valuables extension increases coverage. Exclusions apply, including unattended items, lack of police or carrier reports, wear and tear, and professional use items. Claims are settled on an indemnity basis, not new-for-old.
Gold, Gold Plus and Platinum personal property can help with loss, theft, damage or destruction of your own baggage, personal money, passport and travel documents during your trip, subject to the policy limits, conditions and exclusions.
What this article helps you do
This article explains what personal property means under Gold, Gold Plus and Platinum. It also explains delayed baggage, personal money, passport and travel documents, and the optional gadgets and valuables extension.
Applies to
- Applicable policies: AllClear Gold, Gold Plus and Platinum
- Trip type: Single Trip and Annual Multi-Trips
- Who it applies to: People insured under the policy
- Important: The optional gadgets and valuables extension only applies if it is shown on your policy schedule and the extra premium has been paid
Quick answer
- Personal property can include your own baggage that is lost, stolen, damaged or destroyed.
- Delayed baggage can help with replacement necessities if your baggage is delayed on your outward journey for at least 12 hours.
- Personal money can apply if your own money is lost or stolen while carried on you or kept in a locked safety deposit box.
- Passport and travel documents can apply if your passport is lost or stolen during a trip outside the country you departed from.
- You must keep receipts and report theft, loss or damage to the right authority within the required timescales.
- Property claims are settled on an indemnity basis, not “new for old”, unless the policy says otherwise.
Personal property amounts
Gold policies include:
- Personal property: up to £2,000, with a £75 excess.
- Single article, pair or set limit: £200, with a £75 excess.
- Gadgets and valuables limit: £250, with a £75 excess.
- Prescription spectacles (glasses): £300, with a £75 excess.
- Replacement keys: £50, with Nil excess.
- Mobility aids: £500, with a £75 excess.
- Delayed baggage: £150, with Nil excess.
- Personal money: up to £400, with a £75 excess.
- Cash limit: £250, with a £75 excess.
- Under 16 limit: up to £100, with cash limited to £50.
- Passport and travel documents: £300, with Nil excess.
Gold Plus policies include:
- Personal property: up to £2,500, with a £75 excess.
- Single article, pair or set limit: £300, with a £75 excess.
- Gadgets and valuables limit: £450, with a £75 excess.
- Prescription spectacles (glasses): £300, with a £75 excess.
- Replacement keys: £50, with Nil excess.
- Mobility aids: £2,500, with a £75 excess.
- Delayed baggage: £250, with Nil excess.
- Personal money: up to £400, with a £75 excess.
- Cash limit: £250, with a £75 excess.
- Under 16 limit: up to £100, with cash limited to £50.
- Passport and travel documents: £500, with Nil excess.
Platinum policies include:
- Personal property: up to £5,000, with Nil excess.
- Single article, pair or set limit: £450, with Nil excess.
- Gadgets and valuables limit: £500, with Nil excess.
- Prescription spectacles (glasses): £300, with Nil excess.
- Replacement keys: £50, with Nil excess.
- Mobility aids: £2,500, with Nil excess.
- Delayed baggage: £250, with Nil excess.
- Personal money: up to £700, with Nil excess.
- Cash limit: £500, with Nil excess.
- Under 16 limit: up to £100, with cash limited to £50.
- Passport and travel documents: £500, with Nil excess.
What personal property can include
- Personal property can include the value or repair of your own baggage if it is lost, stolen, damaged or destroyed during your trip.
- This does not include items hired, loaned or entrusted to you, except mobility aids hired, loaned or entrusted to you by the NHS or a similar body.
- For a pair or set of items, AllClear is only responsible for the value of the part that is lost, stolen, damaged or destroyed.
- AllClear may apply an additional 10% reduction to an item valued over £100 if you cannot prove ownership or provide proof of purchase when requested. This is after normal reductions for age, wear and tear, and loss of value.
Delayed baggage
Delayed baggage can help towards replacement necessities if your own baggage is delayed on your outward journey for at least 12 hours.
You need a written report from the carrier or tour representative. Receipts are needed if you make a claim.
Any amount paid for delayed baggage must be refunded to AllClear if the baggage is later found to be permanently lost.
Personal money
Personal money can apply if your own money is lost or stolen while:
- Carried on your person.
- Left in a locked safety deposit box.
If you are aged under 16, personal money is limited to £100 in total, with cash limited to £50.
Passport and travel documents
Passport and travel documents can apply if your passport is lost or stolen during a trip, as long as this is outside the country you departed from.
This can include:
- Reasonable travel and accommodation costs outside your home country to get a replacement passport or visa.
- Reasonable additional public transport costs if you cannot make your pre-booked return flight home because your passport was lost or stolen within 24 hours of your scheduled departure.
- Fees to get a replacement passport while outside your home country.
- The pro-rata value of the original passport at the time it was lost.
- Replacement costs for travel tickets, Green Cards, visas, prepaid accommodation vouchers, prepaid car-hire vouchers and prepaid excursion vouchers.
The total amount payable for these items is limited to the passport and travel documents amount for your policy level.
Optional gadgets and valuables extension
The optional gadgets and valuables extension increases the total policy limit for gadgets and valuables.
This extension only applies if:
- You chose the upgrade before leaving your home area.
- You paid the appropriate additional premium.
- The upgrade is shown on your policy schedule.
The optional extension includes:
- Gadgets and valuables extension cover: £2,500.
- Single article, pair or set limit: £1,000.
The extension may also include fraudulent use of a lost or stolen gadget and temporary hire of replacement gadgets abroad, subject to the policy conditions.
For fraudulent gadget use, the theft or loss must be reported to the service provider within 24 hours of discovery. Proof may be required.
For temporary hire of replacement gadgets, you must keep receipts and be able to provide proof that your personal gadget was lost or stolen during your trip.
How gadget and valuables claims are calculated
Mobile phone and tablet claims are calculated by age:
- Up to 6 months old: replacement cost as new.
- 6 to 12 months old: original purchase price less 20%.
- 12 to 24 months old: nearest equivalent replacement cost as new less 40%.
- 24 to 36 months old: nearest equivalent replacement cost as new less 60%.
- 36 to 48 months old: nearest equivalent replacement cost as new less 75%.
- Over 48 months old: nearest equivalent replacement cost as new less 85%.
Other gadget and valuables claims are calculated by age:
Up to 6 months old: replacement cost as new.
6 to 12 months old: original purchase price less 20%.
12 to 24 months old: nearest equivalent replacement cost as new less 30%.
24 to 36 months old: nearest equivalent replacement cost as new less 45%.
to 48 months old: nearest equivalent replacement cost as new less 60%.
Over 48 months old: nearest equivalent replacement cost as new less 80%.
What personal property and the optional gadgets and valuables extension do not cover
General exclusions
These sections do not cover:
- Anything excluded under the General exclusions. General conditions also apply.
- The policy excess (unless you have purchased zero excess where available). The excess does not apply to delayed baggage.
- Claims where you did not take reasonable care to protect or supervise your property.
- Loss, damage, theft or destruction caused by confiscation or detention by customs or other officials.
Claims that cannot be considered because reporting requirements were not met
These sections do not cover:
- Theft, burglary or loss of baggage, gadgets, valuables or money unless it is reported to the police within 24 hours and a written police report is obtained.
- Baggage that is lost, damaged or delayed in transit unless you notify the carrier immediately and obtain a written carrier's report, or follow this up in writing within 7 days if one cannot be obtained immediately.
- Theft claims where there is no evidence of force or forced entry.
Property left unattended or stored incorrectly
These sections do not cover:
- Baggage, gadgets, valuables, mobility aids or money left unattended in a public place or anywhere accessible to the public.
- Baggage left unattended in accommodation unless the accommodation was locked.
- Gadgets, valuables or money left as checked baggage.
- Gadgets and valuables stolen from an unattended vehicle or an accommodation courtesy storage facility.
- Gadgets and valuables that were not with you unless stored in a locked safety deposit box, locked safe or locked accommodation.
- Baggage stolen from an unattended vehicle unless it was locked in the glove compartment, rear boot or luggage area and hidden from view.
- Baggage stolen from an unattended vehicle (other than a motor caravan) between 9pm and 9am.
Items that are not covered
These sections do not cover:
- Contact lenses.
- Dentures.
- Samples or merchandise.
- Bonds, coupons, securities or stamps.
- Documents (other than where passport and travel document cover applies).
- Vehicles and vehicle accessories.
- Tents.
- Antiques.
- Pictures.
- Typewriters.
- Sports equipment while it is being used.
- Bicycles and pedal cycles.
- Boats and dinghies.
- Glass or china.
- Alcohol, tobacco, food or drink.
- Satellite navigation systems.
- Personal Digital Assistants (PDAs).
- Replacement locks.
- Items used for your job or profession.
- Items shipped as freight.
Types of damage that are not covered
These sections do not cover:
- Wear and tear.
- Loss of value.
- Denting or scratching.
- Moth or vermin damage.
- Mechanical or electrical breakdown.
- Mechanical derangement.
- Cleaning, repairing or restoring damage.
- Damage caused by leaking powder or fluid in your baggage.
- Breakage of fragile or brittle items while being carried by a carrier unless caused by fire or another accident affecting the aircraft, vessel or vehicle.
Digital content
These sections do not cover:
- Replacing downloaded content.
- Retaking images.
- Restoring data stored on an insured item.
Passport and travel documents
Passport and travel document cover does not apply if the passport or travel documents were not:
- Carried by you,
- Held by your accommodation provider, or
- Stored in a locked safety deposit box, locked safe or locked accommodation.
Jewellery
These sections do not cover:
- Jewellery (other than wedding rings) lost while swimming or taking part in sports or other leisure activities.
What you need to do
If baggage, gadgets, valuables or money are lost, stolen or damaged, report the issue to the correct authority and keep written proof.
For theft, loss or burglary:
- Report it to the police within 24 hours.
- Get a written police report.
- Keep proof of ownership or purchase where available.
For baggage lost, damaged or delayed in transit: - Tell the carrier immediately.
- Get a written carrier’s report or Property Irregularity Report.
- Follow up in writing within 7 days if you cannot get the report immediately.
For passport loss, theft or damage:
- Report it to the consular representative within 24 hours of discovery.
- Get written confirmation from the consular representative or police.
- Keep confirmation showing when the passport was lost or stolen and when the replacement passport was received.
Baggage lost by a carrier is only treated as lost after 21 days have passed since the loss was reported.