SafeTrip will not pay for any claim in respect of the following:
- Bonds, stamps, identity documents, credit and payment cards, travel document, cash, stocks, negotiable instruments and securities or documents or any kind;
- Valuables unless attended by the Insured Person or deposited in a hotel safe or hotel safety box at all times;
- Fragile articles, musical instruments, sculptures and household goods;
- Handphones, tablets, pagers, portable computer equipment (other than laptop computer), including digital assistant and its accessories;
- Loss or damage due to wear and tear or depreciation, scratching and/or denting, or any other damaged conditions that does not affect or impair functionality of the Insured Person’s baggage and/or personal effects;
- Baggage not kept in Insured Person’s travel accommodation unless it is attended by the Insured Person at all times;
- Insured Person’s negligence, unexplained and mysterious disappearance;
- Loss or damage due to reasons other than theft, attempted theft, robbery, attempted robbery, or the negligence of the common carrier or hotel;
- Losses are not reported to the police or authorities within 24 hours of discovery.
Note: The list is not exhaustive. Kindly refer to the policy contract here for the full list of exclusions applicable to Loss or Damage of Baggage and Personal Effects.