Luggage compensation Mallilausekkeet

Luggage compensation. The policy covers up to the policy limit specified in section 4 damaged or lost normal luggage, either taken on the trip or purchased during the trip, due to a sudden or unexpected event. It also covers the replacement of the documents listed below. Normal luggage means utility articles carried with and accompany the traveler. Coverable documents include passports, identification cards, driving licenses and vehicle registrations as well as credit and ATM cards. For these documents, the policy covers the renewal expenses of the cards.

Luggage compensation. 18.2 Compensation amount

Luggage compensation. Bronze – level does not cover this section

Luggage compensation. The policy covers up to the policy limit specified in section 4 damaged or lost normal luggage, either taken on the trip or purchased during the trip, due to a sudden or unexpected event. It also covers the replacement of the documents listed below. Normal luggage means utility articles carried with and accompany the traveler. Coverable documents include passports, identification cards, driving licenses and vehicle registrations as well as credit and ATM cards. For these documents, the policy covers the renewal expenses of the cards. Insurance will cover up to the €300 limit for the theft of cash, or traveler’s cheques, if insured can give evidence that has owned them and evidence of their value. The most compensated for each insured child if money is stolen from under 16 years of age of age is €100 The compensation for items that are less than one (1) year old and in good condition is based on the purchase price of equivalent items. Otherwise compensation will be determined based on the value of the item at the time of occurrence, in which case the following age reductions is deducted from the purchase price based on the item’s age starting from the second year of use: For valuable items the maximum cover is mentioned at the section 4. Valuable items are: Photographic, audio, video and electrical equipment of any kind (including laptops, CDs, MDs, DVDs video and audio tapes), mobile phones, telescopes and binoculars, antiques, jewellery, watches, furs, leather goods, animal skins, silks, precious stones, articles made of or containing gold, silver or platinum. Age reduction does not apply to repair costs based on invoices. Damaged items will be replaced mainly by having them repaired. If the repair costs exceed the value at the time of occurrence determined according to the above, the insurer will compensate for value at the time of occurrence.