PERSONAL BELONGINGS
My sunglasses were taken from a sunlounger while I was swimming. Is that covered?
In a real claim: The most common single complaint in this section. The six most frequent decline reasons from the complaints data are: no police report; report made more than 24 hours after discovery; items left unattended in a public place; items forgotten or mislaid; excluded items such as hearing aids; no proof of ownership.
Items left unattended in a public place aren’t covered. Leaving your sunglasses on a sunlounger while you swim means it’s out of your sight and control, so a claim for that wouldn’t be valid. You need to keep your belongings with you, in hand luggage you’re actively looking after, or locked securely in your accommodation. This applies in all public places.