BAGGAGE BENEFIT. The Company will pay the baggage benefit up to the maximum limit stated in the Table of Benefits for loss, physical breakage or damage directly resulting from theft, robbery, burglary, accident or mishandling by carriers during the Journey to an Insured Person’s baggage or personal property carried on the Journey. Provided that
1. The loss must be reported to the local police where the loss occurs, the carriers or any third parties liable within 24 hours of the occurrence.
2. The Insured Person shall observe ordinary and proper care for the safety of the property insured, including safeguard his accompanied baggage or personal property and do not leave them unattended in a public place. All baggage are to be examined when received and in the event of any destruction, loss or damage coming to the notice of the Insured Person shall give IMMEDIATE notice to:
a) The police in case of theft, loss or willful damage by a third party, and obtain written documentation from local police where the loss occurs.
b) The carriers when loss or damage has occurred in transit, and obtain a copy of the official ‘Baggage Irregularity Report’.
3. The limit of the Company’s liability for each item/pair or set shall be HK$3,000 (Camera body, lenses and accessories will be treated as a set).
4. In the event of loss of or damage to any article which is a part of a set, the measure of loss of or damage to such an article shall be a reasonable and fair proportion of the total value of the set and will not be construed to mean a total loss of the set.
5. The Company will by payment or at its option by replacement or repair indemnify the Insured Person against each such loss or damage provided that the maximum liability of the Company shall not exceed the limit for Baggage Benefit.
6. For claim relating to breakage or damage, the claimant has to produce the damaged property as physical evidence for the Company’s inspection at the claimant’s cost.
7. EXCLUSION:
a) Loss or damage in consequence of delay, confiscation, detention or examination by customs authorities or other officials.
b) Losses of or damage to cash, banknotes, electronic money (e.g. Octopus cards), negotiable instruments, bonds or securities, credit cards and other instruments of payment.
c) Losses of or damage to documents of any kind, passports, visas, air tickets, and transportation, accommodation or any other travel vouchers or coupons.
d) Loss of or breakage to any pager, mobile phone (including PDA phone, smart ph...
