All policies can cover Personal Property benefits for belongings, delayed baggage, personal money and travel documents, with different limits by policy.
What this article helps you do
Compare the Personal Property limits and distinguish the optional Gadget and valuables extension.
Applies to
- Policies: Budget, Silver, Gold and Black
- Optional extra: Gadget and valuables extension, only if paid for and shown on your policy schedule
Personal property limits
| Benefit | Budget | Silver | Gold | Black |
|---|---|---|---|---|
| Personal property | £1,000 | £2,000 | £2,500 | £5,000 |
| Single article, pair or set limit | £100 | £200 | £300 | £500 |
| Gadget and valuables limit within Personal Property | £100 | £200 | £400 | £600 |
| Alcohol and tobacco limit | £25 | £50 | £100 | £125 |
| Personal Property excess | £100 | £60 | £50 | Nil |
The item limits above are sublimits, not additional amounts on top of the Personal Property maximum.
Delayed baggage
| Policy | Purchases made during baggage delay | Excess |
|---|---|---|
| Budget | £25 per 12 hours, up to £50 | Nil |
| Silver | £50 per 12 hours, up to £100 | Nil |
| Gold | £100 per 12 hours, up to £200 | Nil |
| Black | £150 per 12 hours, up to £300 | Nil |
Personal money and documents
| Benefit | Budget | Silver | Gold | Black |
|---|---|---|---|---|
| Personal money | £200 | £500 | £500 | £750 |
| Personal money excess | £100 | £60 | £50 | Nil |
| Cash limit | £100 | £200 | £300 | £500 |
| Beach cash limit | £50 | £100 | £150 | £250 |
| Cash limit (under 18) | £50 | £50 | £50 | £50 |
| Passport and travel documents | £50 | £100 | £200 | £250 |
The cash limits are sublimits within Personal Money. Passport and travel documents have a Nil excess on all four policies.
Optional Gadget and valuables extension
If you pay the extra premium and the extension appears on your policy schedule, its limit is up to £2,000 per policy, with a £1,000 single article, pair or set limit. The extension excess is £100 on Budget, £60 on Silver, £50 on Gold and Nil on Black.
Still need help?
Read your policy documents.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
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