By Brian Smith aviation reporter

RESTRICTIONS ON the size of hand luggage and what can be taken on board are persuading air passengers to put more and more valuables into their suitcases.

At the same time problems with lost baggage have spiralled at some airports.

As a result, the British Insurance Brokers’ Association (BIBA) is urging travellers to ensure they have cover for everything checked into the hold.

Many travel insurance policies do not cover valuables when checked into the hold and often require you to keep valuables under your custody and control.

BIBA has issued a list of items which may not be covered by insurance when put into a suitcase and checked into the hold. They include photographic equipment including all accessories, sunglasses or spectacles, computer, radio or audio equipment (including CDs), electronic equipment including electronic games, mp3 players, BlackBerrys, computers and mobile phones.

Telescopes, binoculars, leather or suede or fur clothing, personal jewellery, items of gold or silver, jewellery or watches, video equipment including DVDs, hearing aids, sports and leisure equipment and musical instruments are among the other items that also may not be covered.

BIBA believes that many consumers will be surprised by this list and be unaware that they are putting their belongings at risk. They say you should, check your policy as each can be different.

Graeme Trudgill, BIBA technical services manager said, “With claims for missing baggage on the increase and restrictions on hand luggage, travellers need to be aware that many items are not insured if placed in your checked luggage.

“We have seen an example of a traveller who was unable to claim for a camera stolen from her checked luggage.

“The good news is that some household policies may offer wider cover than travel policies.

“Valuables are often more appropriately protected under the personal possessions section of a household policy (although this is an optional extra that many people do not buy) which would cover them for all risks cover around the world.

“However, no two policies are the same and some cheaper household policies may not cover valuables in the hold either.

“The best advice we can offer consumers is to ask your broker to ensure that either your household or travel policy provides appropriate cover for you.”