Continuous travel insurance through De Goudse

Market value after the new-for-old period

Policy conditions have a short period after purchase during which payment is made on replacement value as new. After that, market value applies. With electronics that depreciation goes quickly. Keep purchase receipts, because without evidence of the purchase date the assessment almost always turns out to your disadvantage. Where damage can be repaired, the repair costs is paid and not the replacement value, even if you would rather replace the item.

Sub-limits per luggage category

Besides the total luggage amount, separate ceilings apply to equipment, jewellery, telephones, glasses and sometimes sports or diving gear. Those ceilings apply per category and not per item. A stolen suitcase with a camera, laptop and telephone therefore hits several limits at once. If you travel with equipment exceeding these ceilings, separate insurance for that equipment makes more sense than a higher luggage module.

Overlap with your other policies

Travel policies contain a contribution provision: if the loss is insured elsewhere, that policy takes precedence. A camera covered by valuables insurance is settled there. For medical expenses, the health insurance leads and the travel insurance supplements, for example with repatriation and bringing travelling companions home. So report a loss to both policies and let us determine the order.

What is structurally not paid for

Luggage left unattended, theft from a car without signs of forced entry and loss without an identifiable event fall outside the cover. The same applies to wear, scratches and an inherent defect in the item itself. Damage while taking part in risky sports is excluded unless those sports are expressly included. Reporting to the police locally and a written report to the carrier are conditions for luggage claims, not formalities.

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