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2. Payment of Benefit 3
If after expiry of 52 weeks of consecutive disablement the Person Insured is still totally disabled from
engaging in or giving attention to any profession or occupation but the medical evidence is such that it
cannot be said that disablement is permanent and total payments will be made for as long as total
disablement continues for a period not exceeding 10 years. Payments will be at an annual rate of 10%
of the capital sum and will be made by half yearly instalments in arrears. The first payment will be
made 18 months after commencement of disablement in respect of the first 18 months of disablement.

3. Payment of Benefits 4 and 5
Unless otherwise agreed by us compensation under benefits 4 and 5 above will not become payable
until the total amount due has been ascertained.

Section 5 – Personal Effects and Money

The Cover
We will indemnify you and at your request any Person Insured in respect of damage to money and
personal luggage, personal clothing and effects taken, worn or carried on the Journey or such personal
baggage, personal clothing and other personal effects sent in advance subject to the following limits of
indemnity in respect of each Person Insured:
a) any one article or pair or set of articles £250

b) all money £400
c) all property insured including under a) and b) above £1,500.
In addition in the event of the baggage of any Person Insured not arriving at the outward destination
within 12 hours of the Person Insured’s arrival we will reimburse the cost of purchase of essential items
of clothing or toiletry up to a maximum sum of £500.

Exclusions to Section 5
This section does not cover:

1. Confiscation or Detention
damage occasioned by or in consequence of confiscation or detention by customs or other authorities

2. Cracking and Scratching and Breakage of Sports Gear in Use
cracking, scratching or breakage of sports gear while in use or china, glass, earthenware and the like

3. Depreciation, Wear and Tear, Process Risks, Atmospheric Conditions or Vermin
damage caused by or consisting of depreciation, wear and tear, gradual deterioration or any process
of cleaning, repairing or restoring or from atmospheric or climatic conditions, moth or vermin

4. Excess
the first £25 of any claim for any Person Insured other than in respect of delayed baggage

5. Loss not Reported to Police or Carriers
loss not reported to the:

a) local police
b) carriers when loss occurs in transit
within 48 hours of discovery

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