Any travel insurance covering personal items?

ArrBee

Hi all,

I know there are 101 insurance threads out there but I have not come across the answer I am looking for.

After much seraching through the fine print of policies I am starting to think that no insurance policy available to ROI residents will actually cover your personal belongings against theft/damage/loss any more than a tiny amount.
eg. its designed to cover your clothes only.

Does anyone know of a company offering to cover more expensive items like laptop or camera?
I guess I would be looking for cover around max Eur1500 per item and a total of 5000

I have found policies like this in other countries where I was living at the time but so far have found none here.

Makes me question the value of having insurance if you're not really covered for the personal items which are expensive.

MOH

ArrBee wrote: »

Hi all,

I know there are 101 insurance threads out there but I have not come across the answer I am looking for.

After much seraching through the fine print of policies I am starting to think that no insurance policy available to ROI residents will actually cover your personal belongings against theft/damage/loss any more than a tiny amount.
eg. its designed to cover your clothes only.

Does anyone know of a company offering to cover more expensive items like laptop or camera?
I guess I would be looking for cover around max Eur1500 per item and a total of 5000

I have found policies like this in other countries where I was living at the time but so far have found none here.

Makes me question the value of having insurance if you're not really covered for the personal items which are expensive.

Could you put them as named items under all risks on your house insurance?

ArrBee

MOH wrote: »

Could you put them as named items under all risks on your house insurance?

OK, good idea.
I will need to check that. I think most contents policies mostly cover items in the EU. Any further and the usually reduce how long it can be away.
But certainly worth me double checking!

It just seemed strange to me that with more and more ppl traveling with laptops/ipads/digital SLRs/ even some phones, which are worth more than the 250 cover for any single item, that there must be some insurance out there that has spotted this gap in the market and is offering a suitable product.

ArrBee

Just checked with insurer.

They cover any named items globally for 60days.
This will suit me this time.

I really don't see me going for longer than 60days in the near future either.
Those days are gone I think!

Thanks for the suggestion MOH.

ArrBee

So,
Now I am looking for a good multi trip annual insurance which allows for a single trip up to 47 days.
So far the max I have seen is 45 days.
Also would be good if it had Car hire excess coverage.

Any recommendations out there to meet my need?