In the event of an EMERGENCY, e.g. death, medical incident, accidental injury or illness likely to require hospitalization, repatriation or any major alteration to travel plans, call the a 24-hour 'emergency assistance' help line immediately. They will advise on and/or make the necessary arrangements for the best course of action.

In the event of THEFT e.g. theft of Personal Baggage, Property, Money or Documents:

Report the theft to the police authority as soon as possible. If you intend to make a claim against your travel insurance policy, you must report the theft within 24 hours and obtain an official report. Contact your travel insurer’s claims department as soon as you return home.

In the event of Loss or Damage of Personal Baggage, Property, Money or Documents:

Report the loss or damage to the appropriate authorities as soon as possible (if in a public place contact the police). If you intend to make a claim against your travel insurance policy, you must report the incident within 24 hours and obtain an official report.

If the loss or damage takes place on public transport or in a hotel, you must report the claim in writing to the carrier or hotel within 24 hours and obtain an official loss/damage report. Contact your travel insurer as soon as you return home.

Keep all receipts, accounts and documentary evidence. You will need these to make a claim against your travel insurance policy.