Baggage Limit policy wording for CSA Travel Protection Freestyle Luxe
Baggage and Personal Effects Benefit
We will reimburse you, up to the amount shown in the
Schedule, for direct loss, theft, damage or destruction of
your Baggage, passports or visas during your Covered Trip.
We will also pay for loss due to unauthorized use of your
credit cards, if you have complied with all of the credit card
conditions imposed by the credit card companies.
Valuation and Payment of Loss
Payment of loss under the Baggage and Personal Effects
Benefit will be calculated based upon an Actual Cash Value
basis. For items without receipts, payment of loss will be
calculated based upon 75% of the Actual Cash Value at the
time of loss. At our option, we may elect to repair or replace
your Baggage. We will notify you within 30 days after we
receive your Proof of Loss.
We may take all or part of damaged Baggage as a condition
for payment of loss. In the event of a loss to a pair or set of
items, we will:
- repair or replace any part to restore the
pair or set to its value before the loss; or
- pay the
difference between the value of the property before and
after the loss.
Continuation of Coverage
If the covered Baggage, passports or visas are in the
custody of a Common Carrier, and delivery is delayed, this
coverage will continue until the property is delivered to you.
This continuation of coverage does not include loss caused
by or resulting from the delay.
Items Not Covered
We will not pay for damage to or loss of:
- animals;
- property used in trade, business or for the production of
income, household furniture, musical instruments, brittle
or fragile articles, or sporting equipment if the loss
results from the use thereof;
- boats, motors, motorcycles, motor vehicles, aircraft, and
other conveyances or equipment, or parts for such
conveyances;
- artificial limbs or other prosthetic devices, artificial teeth,
dental bridges, dentures, dental braces, retainers or
other orthodontic devices, hearing aids, any type of
eyeglasses, sunglasses or contact lenses;
- documents or tickets, except for administrative fees
required to reissue tickets;
- money, stamps, stocks and bonds, postal or money
orders, securities, accounts, bills, deeds, food stamps or
credit cards, except as noted above;
- property shipped as freight or shipped prior to the
Scheduled Departure Date;
- contraband.
Losses Not Covered
We will not pay for loss arising from:
- defective materials or craftsmanship; or
- normal wear and tear, gradual deterioration, inherent
vice; or
- rodents, animals, insects or vermin; or
- mysterious disappearance; or
- electrical current, including electric arcing that damages
or destroys electrical devices or appliances.
Your Duties in the Event of a Loss
In case of loss, theft or damage to Baggage and Personal
Effects, you should:
- immediately report the incident to
the hotel manager, tour guide or representative,
transportation official, local police or other local authorities
and obtain their written report of your loss; and
- take
reasonable steps to protect your Baggage from further
damage, and make necessary, reasonable and temporary
repairs.
We will reimburse you for these expenses. We will
not pay for further damage if you fail to protect your Baggage.
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