With only 10 sleeps until Christmas, you’ve probably already finalised your Christmas travel holidays. However, if you’re planning to take Christmas presents with you, ensure your travel insurance policy covers their potential loss, damage or theft.
Most travel insurance policies will cover Christmas gifts under personal baggage cover, providing the item in question falls within the policy limits.
Many travel insurance policies will have a maximum value you can claim on any particular item, which is normally about £250. As well as a ‘per item’ maximum, the majority of policies will have a total amount you can claim for valuables, also about £250.
What isn’t covered?
China, glass and other fragile items are not covered, as well as household goods and alcohol – no matter what the vintage of that champagne for Dad!
Any valuables not carried as hand luggage are not covered.
Please read the small print of your policy before travelling with gifts to ensure you’re fully covered. If you find you have inadequate cover, you may be able to increase your cover limits by calling your insurer directly.
Remember: In order for any claim to be valid you’ll be asked to provide proof of purchase. This means you’ll need the original receipt to prove evidence of ownership and value. You may also be asked to send damaged goods to the insurer, so don’t throw them away!
If you have any questions on travelling with your presents over the Christmas period, don’t hesitate to call our experienced travel team on 01243 784000.