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Loss and delay of personal belongings
Protect your personal belongings every step of the way with comprehensive cover for a worry-free trip.
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Loss and delay of personal belongings
Travel mishaps are never fun, but they don't have to ruin your trip. With TIC's comprehensive cover for your personal belongings, you're protected against loss, theft, and damage allowing you to focus on enjoying your travels without worrying about your essentials.
- Lost or damaged personal belongings is more common than you think, especially during international or multi-leg flights.
- If your personal belongings are delayed, travel insurance reimburses you for essential items like clothing and toiletries to keep you comfortable until your bags arrive.
- Knowing your personal belongings are covered allows you to enjoy your trip without constantly worrying about mishandling or theft, so you can focus on your adventure.
- Replacing lost or stolen personal belongings, can be costly. Insurance protects you from these unexpected expenses.
Conditions of cover
- You must report the loss to the police or similar authorities and submit police report with your claim.
- Written proof of loss or delay from the transport provider must be submitted with any claim along with receipts in support of the purchase of emergency essential items.
- Cellphones must be blacklisted and proof thereof submitted as supporting documentation with your claim.
- Any electronic equipment (including but not limited to cameras, cellphones, satellite phones, navigation systems, laptops, tablet/personal computers, eReaders) must accompany you as hand / cabin luggage and proof of ownership must be provided.
- You must always attempt to make a recovery from the transport carrier and never leave an airport or station with a damaged suitcase and/or one that has been tampered with.
- You must exercise reasonable care for the safety, security, and supervision of property at all times and must not leave property unattended in a public place, unlocked building, or unattended vehicle.
- Any claim will be deemed to be in excess of cover provided by the transport carrier.
- All jewellery, cash, and documents must be carried on your person or locked in a safety deposit box or safe.
What's covered
We will reimburse you in the event of accidental loss of:
- Your personal effects: items that you normally wear or carry on yourself
- Non-refundable accommodation vouchers
- The reissuing cost of existing travel tickets, travel currency cards, bank cards, visas, passports, and vouchers.
What's not covered
We will not pay claims arising from:
- Any loss that has not been reported within 48 hours to the most appropriate authority where the loss occurred (for example the local Police Station, Airline, Airport Security, Hotel or Rail Station). You must provide us with written proof that the loss was reported within 48 hours.
- Items left in taxi cabs, uber vehicles, or trains
- Delay, detention, destruction, or confiscation by customs officials or other authorities
- Your contractual obligations resulting from a mobile or satellite phone
- Wear and tear, mildew, rust or corrosion, the action of insects, moth or vermin, clothing or personal effects being cleaned, dry cleaned, dyed, altered or repaired
- Loss or damage to fragile, glass, or brittle items
- Theft from an unattended vehicle unless such property is securely contained in a compartment of the vehicle that is not visible to passersby and entry to the vehicle is gained by visible, forcible, and violent means
- Mechanical or electrical breakdown or derangement
- Loss or damage to bonds, stamps, negotiable instruments, manuscripts, deeds, securities of any kind, or bullion
- Loss or damage to the following items are excluded from cover:
- Sporting equipment or tools of trade while in use
- Surf boards, fishing rods, bicycles, baby prams or carriers, and/or camping equipment and all accessories
- Consumables such as cosmetics, perfume, chocolates, alcohol, and prescription medication
- Drones
- Unaccompanied personal belongings
- Jewellery and/or cash left unattended or not locked in a secure safe or safety deposit box
- Mobile or satellite phone and its fittings unless personally carried with you
- Fragile, glass, or brittle items
*Note: a formal quote will provide comprehensive details on benefits, limits, cover terms, conditions, and exclusions.
Summary of benefits of TIC's travel insurance for your personal belongings
Protection against loss or theft:
Get reimbursed for lost or stolen personal belongings, so you can replace all your travel essentials.
Compensation for delayed personal belongings:
Should your personal belongings be delayed, TIC provides reimbursement for immediate essentials like clothing and toiletries, so you're never left unprepared.
Cover for damaged personal belongings:
If your personal belongings are damaged in transit, TIC will cover the cost of repairs or replacements.
Worldwide cover:
No matter where your travels take you, TIC's cover offers global protection, ensuring you're covered whether you're exploring a city or relaxing on a beach.
Important single item and specified item limits
Single item limits apply for any one single item, for instance a single item of clothing. Please check your schedule of insurance for the limit of liability.
The items listed below, along with all accessories, attachments, fittings, extensions, and applications, are regarded as single items, and subject to a reduced single item limit of liability as indicated on the policy schedule of insurance:
Cameras. Proof of ownership required |
Mobile phones and/or satellite phones. Proof of blacklisting and proof of ownership required |
Spectacles, sunglasses, and contact lenses. Proof of ownership required |
Sporting equipment, including the carry bag. Proof of ownership is required when making a claim |
Jewellery. We must receive the original or certified copies of valuation certificates or some form of proof of ownership that we agree to, that was issued before the start date of your trip |
Dress watches, sports watches, and activity trackers. Proof of ownership required when making a claim |
Laptops or tablet personal computer. Proof of ownership must be provided when making a claim |
Keys and locks |
Dentures |
Hearing aids |
Headphones and air pods (pair/set). Proof of ownership required |
Damage and/or theft of suitcases, travelling bags, handbags, wallets, purses, and/or backpacks, |
Don't just take our word for it, here's what our customers have to say
Discover how our travel insurance has made a difference to others - hear directly from our happy customers.
Location: Democratic Republic of Congo
Paid amount: R400 000
Mr F
Location: Lusaka, Zambia
Paid amount: R235 000
Mr B
Trusted by 2 million + travellers
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Accepted by all VISA authorities, including SCHENGEN
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Help and FAQ's
If you have any questions or queries, please visit our Contact us page
If you are experiencing an emergency, click here
Direct
Tel: 0860 100 484 (RSA) or +27 (0)11 521 4000
E-mail: helpdesk@tic.co.za
Claims and emergency
Tel: +27 (0)11 521 4000
Policy-related FAQs for Personal belongings
Does TIC cover lost or stolen personal belongings?
Yes, TIC provides cover for lost or stolen personal belongings, reimbursing you for the value of your items up to the benefit limits, so that you can replace all your travel essentials.
Is there a limit to the amount covered for lost or stolen personal belongings ?
TIC policies have specific cover limits for personal belongings, which vary depending on the policy you select. Be sure to check your policy for the exact limits on personal belongings claims.
Does TIC cover damage to my personal belongings?
Yes, TIC covers damage to your personal belongings during transit. You can claim for repairs or the replacement cost of your damaged personal belongings.
Does TIC provide cover for delayed personal belongings?
Yes, if your personal belongings are delayed, TIC will reimburse you for immediate essentials like clothing and toiletries, so you're never left unprepared.
Are high-value items like electronics included in my cover?
TIC provides limited cover for high-value items such as electronics. It is recommended to review your policy or take additional cover for such items to ensure full protection.
Service-related FAQs for Personal belongings
How do I file a claim for lost or damaged personal belongings with TIC?
You can file a claim through TIC's online client portal by submitting the necessary documentation, including proof of loss or damage, receipts, and a report from the airline or relevant authority.
What documentation is required to claim for delayed personal belongings?
To claim for delayed personal belongings, you will need to provide your flight details, a baggage delay report from the airline, and receipts for any essential items purchased while waiting for your personal belongings.
How long does it take for TIC to process a claim?
TIC aims to process claims as quickly as possible. The processing time may vary depending on the complexity of the claim, but submitting all required documents promptly helps to avoid delays.
Can I contact TIC for emergency assistance ?
Yes, TIC provides 24/7 emergency assistance for travel-related issues, including lost personal belongings, ensuring you receive support while managing the situation.
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