[ElaineB]

DO take out travel Insurance to cover you for medical expenses, repatriation costs and the like, however, suggest that you ask for the personal baggage section to be deleted and then extend your unspecified perils extenstion to cover you (but check the territorial limits to make sure that you are covered for the country in question).

The personal effects cover that you get with travel insurance really isn't worth the paper it is written on, this is why I suggest you extend your household unspecified perils cover to cover this. Make sure that the item any one article limit is suitable and be aware that clothes over 2 years old are NOT on a reinstatement basis. Insurers will deduct a percentage for wear and tear (this is standard on all policies, including travel).

If in doubt, speak to an Insurance Broker.

Hope that helps


Elaine