Valuables

Means Watches, furs, jewellery, photographic equipment, binoculars, telescopes, drones, computers and or accessories (including laptops, games & gaming consoles), PDA’s and tablet devices (including iPad’s and eBooks) video cameras, audio visual equipment, musical instruments, televisions, sports and leisure equipment (e.g. SCUBA equipment, surf boards, tennis racquets), mobile phones and satellite navigation devices.

Valuables

Means jewellery, watches, gold, precious stones and articles made of/or containing gold, silver or precious metals, photographic, TV, audio, CD’s, MP3 Players, video, computer, GPS/navigation, electrical equipment, binoculars, optical equipment, telescopes and animal skins.

Depreciation Guide

The following is the guide our claims handlers use on settling claims for lost, stolen or damaged articles:

Item & Depreciation Guide
Bags/suitcases,"High street” jewellery, items containing semi-precious metals or stones, cosmetic jewellery such as cubic zirconia and "everyday" watches and any other miscellaneous items.
Age of item(s)	Depreciation Level
0 - 12 months	0%
1 - 2 Years	10%
2 - 3 Years	20%
3 - 4 Years	30%
4 - 5 Years	40%
Then an additional 10% for each year. Over 11 years old the depreciation level is 100%
Clothing
Age of item(s)	Depreciation Level
0 - 12 months	0%
1 - 2 Years	10%
2 - 3 Years	30%
3 - 4 Years	50%
4 - 5 Years	70%
Over 5 Years	100%
Ski Equipment
Age of item(s)	Depreciation Level
0 - 12 months	0%
1 - 2 Years	25%
2 - 3 Years	50%
3 - 4 Years	75%
Over 4 Years	100%
Cosmetics
Age of item(s)	Depreciation Level
0 - 6 months	0%
6 - 12 months	50%
Over 12 months	100%
Electrical valuables e.g. Laptops, Tablets, Computers, Kindles, Mobile Phones & Cameras
Age of item(s)	Depreciation Level
0 - 12 months	0%
1 - 2 Years	25%
2 - 3 Years	50%
3 - 4 Years	65%
4 - 5 Years	80%
Over 5 Years	100%
Quality Jewellery (18ct and 22ct gold, diamonds, sapphires, rubies etc) and watches such as Rolex, Omega, Breitling etc.
No Deduction made
Passports
Pro-Rata Replacement Costs

So, if your camera cost you £250 and it’s under a year old (and you have relevant receipts for it, or other proof of ownership), you can claim for £250 (less any excess unless you have the excess waiver). If, however, it’s between two to three years old, you’ll only be able to claim £125 (as there’s a 50% deduction for wear and tear), but if it’s over five years old, any claim would fail.

Check your Excess

The Claims Excess, sometimes known as a deductible, varies on our policies between £35/€45 and £125/€150 per person per claim. This means, for example if you have our Traveller Plus policy and need to claim, you pay the first £35/€45 and the insurer pays the rest.

You may have chosen to zero down the Claims Excess when you originally took out your policy, in which case you won't have to pay any excess at all.

You can check the level of Excess on your policy just by entering the last 7 digits of your Certificate number below.

*Please enter the 7 digit policy number

Your Excess

You have our True Value Policy which carries an excess of £125 per person per claim on most claims.

However, you did elect to zero down the excess when you applied for cover, so no excess will be deducted from any successful claim you make.

Your Excess

You have our True Value Policy which carries an excess of £125 per person per claim on most claims.

If you have a claim where the amount to be claimed is £125 or less, then it’s not worth making a claim as any claim will be denied due to the excess level.

Your Excess

You have our Traveller Policy which carries an excess of £75 per person per claim on most claims.

However, you did elect to zero down the excess when you applied for cover, so no excess will be deducted from any successful claim you make.

Your Excess

You have our Traveller Policy which carries an excess of £75 per person per claim on most claims.

If you have a claim where the amount to be claimed is £75 or less, then it’s not worth making a claim as any claim will be denied due to the excess level.

Your Excess

You have our Traveller Plus Policy which carries an excess of £35 per person per claim on most claims.

However, you did elect to zero down the excess when you applied for cover, so no excess will be deducted from any successful claim you make.

Your Excess

You have our Traveller Plus Policy which carries an excess of £35 per person per claim on most claims.

If you have a claim where the amount to be claimed is £35 or less, then it’s not worth making a claim as any claim will be denied due to the excess level.

This Policy is Cancelled

Sorry this policy has been cancelled at the policy holder request.

You may have entered an incorrect or old policy number, so just go back and try again.

No Such Policy Number

Sorry this policy number does not exist in our system

Please go back and try again, and remember, we just need the last 6 digits of the Policy Number as shown on your policy Validation certification.

Online Claims

Our claims service is run by an independent company, Claims Settlement Agencies (CSA), to ensure claims are handled impartially.

You can start a claim here, but note you will have to upload supporting documents, such as receipts for your medical expenses, and this can only be done on a PC or MAC. You cannot use your phone or tablet to do this. You can however start a claim and return to it later; however, the claim cannot be fully assessed until CSA has all the relevant documentation.