We combined the cover for this into the All Risks (Personal Possessions), section now.
These are shown in the policy wording.
The weather sometimes gets a bit nasty during hurricane season; so, I usually go somewhere a bit safer for 3 months. Will the items I take with me be covered wherever I go during these 3 months?
No, unfortunately, they are only covered for up to 30 consecutive days at any one time, anywhere in the world.
Oh, in that case, unfortunately, we make a deduction for wear, tear and depreciation.
The sum insured.
Only individual items valued at over $500, musical instruments and sports equipment.
If I insure an item under All Risks (Personal Possessions) and Contents and I lose it when I am at the beach, then I get paid twice right?
No. Firstly you should not insure anything under Contents, if you wish to have it covered under All Risks (Personal Possessions). We would only settle the claim under the terms of the All Risks (Personal Possessions) section.
Which of the following are excluded; cell phones, hand held radios, or satellite navigation equipment?
Yes, but if over $500, they have to be specified.
The items value and ownership of it.