| And it doesn't stop there as this term includes many | | | | the circumstances of the loss or theft and a police |
| other articles, some which you would expect to be | | | | report or hotel report to back up your story. |
| looked upon as a valuable item, such as jewellery and | | | | Highly valuable items, such as money and jewellery, |
| watches, but can also include such everyday items as | | | | will always be expected to be locked away in a hotel |
| spectacles, sunglasses, mobile phones, MP3 players | | | | safe or safety box when not on your person; inside |
| and more. You name it, and if it is an attractive and | | | | a locked suitcase inside a locked hotel room is rarely |
| fashionable item, then you can bet that, for insurance | | | | good enough for the travel insurance company. |
| purposes, it will be grouped into the valuables | | | | This is why it pays to look at the small print of your |
| definition. | | | | policy before you travel, if only as a last minute |
| It doesn't stop there because your money, travel | | | | reminder about the extra care needed to look after |
| documents, passports, credit cards will all also come | | | | your valuable items. No-one wants to lose these |
| under the stricter care rules that are applied to | | | | items in the first place but it is doubly painful to find |
| 'valuables'. So returning to the camcorder, most travel | | | | that they are not covered when you come to claim |
| insurance policies will not pay up if it looks like | | | | because simple safety precautions were not followed. |
| negligence on your part. For example, valuable items | | | | A final point to remember is that if your travel |
| packed into your hold luggage are rarely covered | | | | insurance does not cover it, then some household |
| because theft from unattended baggage will | | | | insurance policies cover 'all risks.' This means that |
| invariably be excluded. If you can prove that the | | | | personal belongings could still be covered but travel |
| items were with you or locked in your hotel | | | | insurance providers will still apply the golden rule that |
| accommodation then insurers will probably pay out | | | | the articles must be properly cared for whilst on |
| but they may ask for further information, such as | | | | holiday. |