Your belongings cover

Whether your baggage is a mess or you’ve carefully folded your things into exact geometric shapes like a game of blocks, you may want optional Your belongings cover in case you and your baggage go on different adventures.

Your belongings cover is an optional add-on, beyond standard Aviva Signature travel insurance, that helps to protect your personal belongings during your trip if they’re stolen, lost or damaged.

Your belongings add-on covers the cost of replacing essential items if a traveller’s belongings or golf equipment are delayed by their transport provider on the outbound journey, and the delay is confirmed to have lasted more than 12 hours.

The maximum we’ll pay for temporary loss of bags per person is:

• £250 for the replacement of essential items
• £250 for the hire of replacement golf equipment.

The travel policy excess doesn’t apply to claims for temporary loss of bags or hire of replacement golf equipment.

Our optional Your belongings cover will protect your belongings and valuables with:

• up to £2,000 per person (with a £100 excess per person, per incident)
• up to £400 on a single item, pair or set and a total valuables limit of £400 per person
• up to £500 for money (up to £100 if under 16 years old)
• up to £1,500 for golf equipment.

This means that the overall limit per person, per incident is £2,000 including clothes, toiletries, and valuables. Your insurer will see valuables as: 

• jewellery (even costume jewellery)
  
• watches
• things containing gold, silver, precious metals or stones
• binoculars
• hand-held games consoles and equipment
• mobile phones
• tablets
• video cameras
• computer and TV equipment
• portable satellite navigation systems.

But if you lost your phone and laptop together, you’ll receive £400 maximum per person with the valuables limit. It’s also worth checking your home insurance policy, which may have higher insured limits for items, as some valuables could be covered.

Your belongings won’t be covered if:

• It’s lost, damaged, or stolen because you weren’t keeping an eye on it, left it somewhere on purpose, or didn’t store it in a locked room or safe, or out of view such as in enclosed storage or in the boot of a locked vehicle.
• your pedal cycles, contact lenses, hearing aids, or dental fittings are lost, damaged or stolen.
• you don’t report your belongings stolen within 24 hours (or as soon as can be expected) to the police.
• your winter sports, scuba diving, and fishing equipment is lost, damaged or stolen. But, you can get winter sports cover separately.
• your possessions are held up or taken by customs or other officials.

As with any insurance, it's about being protected if something doesn’t go to plan.

The airline and security agents will be checking your passport and what’s in your luggage (remember tiny bottles of bodywash), not whether you have Your belongings optional cover.

And although you could travel without Your belongings cover, there are several good reasons to get it anyway.

If you’ve already spent a chunk of money on flights, accommodation, and events (such as a golfing trip), then having protection in case something unexpected happens to your belongings may help you focus on your adventure rather than worries.

Ultimately, Your belongings optional cover could help lessen the frustration and inconvenience of not having the things you need.

Having travel insurance for your trip may save you time, money and worry if your suitcase finds its way to Mars when you’re on your way to Majorca.

To get a quote, have your personal information to hand and head over to our Aviva Signature travel insurance page.