JustCover.ie - The Specialist Travel Insurance Company

Phone: 01 4404367 Email: info@justcover.ie

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ON YOUR HOLIDAY TRAVEL INSURANCE YOU ARE COVERED FOR

1) PERSONAL BAGGAGE

Up to €2,175 (extended to €2,900 as a Christmas special, for the period 15 December to 15 January only) for the value or repair of any of your own personal baggage(not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation). Limited to 360 for all valuavbles in total, limited to €220 for single and/or a pair or set of articles, limited to €360 for all sports equipment.

NOTE - In the event of a claim for a pair or set of articles, we shall be liable only for the value of that part of tghe pair or set which is lost, stolen, damaged or destroyed.

2) DELAYED BAGGAGE

Up to €145 towards the cost of buying replacement necessities if your own personal baggage in delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc) or tour representative, Receipts will be necessary in the event of a claim.

NOTE - Any amount we pay you under 2(Delayed Baggage) will be refunded to us if your your personal baggage proves to be permanently lost.

3) PERSONAL MONEY

Up to €725 (limited to €360 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.

NOTE - if you are aged under 16, claims under Personal Money are limited to €150 overall (cash €75).

YOU ARE NOT COVERED FOR

1) for the first €80 of each and every incident per each insured person involved in the incident (not applicable to 2,Delayed Baggage).

2) if you do not excercise reasonable care for the safety and supervision of your property;

3) if you do not receive a written police report within 24 hours of the discovery in the event of loss, burglary or theft of personal baggage, valuables or money;

4) if your personal baggage is lost, damaged or delayed in transit, if you do not:

a) notify the carrier (i.e. airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,

b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline). if you are unabel to obtain one immediately.

5) for loss, destruction, damage of theft;

a) from confiscation or destruction by customs or other officials or authorities;

b) of contact lenses, dentures, hearing aids, sambples or mechandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other that wheelchairs and pushcharis only), tents, antiques, musical instruments, pictures, typewriters, porttelephones, computers and/or accessories. televisions, sports gear whilst in use (other than ski equipment for winter sports trips where the appropriate premium has been paid), pedal cycles, dingies, boats and/or ancillary equipment, glass or china;

c) due to wear and tear, denting or scrathing, moth or vermin;

d) of valuables left as checked-in baggage.

6) for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in,

7) for valuables stolen from an unattended vehicle.

8) for personal paggage stolen from;

a) an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry or.

b) an unattended vehicle (other than motorcaravans) left for any period between the hours of 9pm and 9am

9) for any shortages due to error, omission or depreciation in value;

10) for any property more specifically insured or recoveralbe under any other source;

11) for anything mentioned in the General Exclusions.