EXTENT OF COVER
If during the Period of Insurance and whilst on a Journey, an Insured Person sustains loss of, theft of or damage to Baggage, We will indemnify You or the Insured Person in respect of such loss or damage up to the amount shown on the Schedule against Section 7.
DEFINITION UNDER SECTION 7
BAGGAGE means personal effects belonging to You or an Insured Person or for which an Insured Person is legally responsible, taken on the Journey or aquired during the Journey but shall not include household furniture or effects unless acquired during the Journey.
CONDITIONS UNDER SECTION 7
| 1. | The Insured Person shall take all responsible precautions for the safety and supervision of Baggage, |
| 2. | In the event that a payment is made under this Section in respect of any property, We shall be entitled to take and keep possesion of such property and to deal with it in any manner We see fit. |
| 3. | The amount payable for loss of, theft of or damage to Baggage is:- |
| 4. | In respect of articles fifteen (15) years old or less, We shall have the option of repairing or replacing the articles with articles in the same condition but not with articles better or more extensive than the articles were when new or by payment of the cost of the articles; or. |
| 5. | in respect of articles more than fifteen (15) years old, We shall have the option of repairing or replacing the articles in the same condition but not with articles better or more extensive than the articles were at the time that the loss or damage occurred or by payment of the cost of the articles. |
| 7. | The maximum amount We will pay for any one, set or pair of items is 25% of the amount shown on the Schedule against Section 7, unless otherwise specified on the Schedule. |
| 8. | In no event shall We pay more under Section 7 than the amount shown on the Schedule against that Section. |
EXCLUSIONS UNDER SECTION 7
We shall not be liable for any loss or damage:
| 1. | In respect of Baggage. |
| a) | not reported to either the police or the transport carrier so that a written report is available at the time of making a claim. |
| b) | The maximum amount We will pay for any one, set or pair of items is 25% of the amount shown on the Schedule against Section 7, unless otherwise specified on the Schedule. |
| 2. | In respect of Baggage. |
| a) | shipped under any freight agreement or sent by postal or courier services. |
| b) | to vehicles or their accessories. |
| c) | to any goods intended for trade or sale. |
| d) | to any electronic data or software caused by: |
| (i) | activity of moth, vermin or rodents, wear and tear, atmospheric or climate conditions or gradual deterioration. |
| (ii) | mechanical or electrical failure. |
| (iii) | any process of cleaning, restoring, repairing or alteration. |
| (iv) | scratching or breaking of fragile or brittle articles, if as a result of negligence of the Insured Person. |
