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Personal belongings: Each of your suitcases or items of luggage, their contents and items designed for you to wear or carry. This includes your valuables but does not include winter sports equipment.

Valuables: Photographic, audio, computer, video and electrical equipment of any kind (including CDs, mini discs, DVDs, TV's, electronic games, MP3 players, iPods, personal digital assistants (PDAs), video and audio tapes, telescopes, binoculars, sunglasses, spectacles, mobile phones, musical instruments, jewellery, watches, furs, leather goods, animal skins and items made of or containing gold, silver, precious metals or precious or semi-precious stones.

The personal possessions limit is £1500 per insured person, the single article limit is £250 and the valuables limit is £250 in total. Remember, if you have a Discoverer policy, the personal possessions limit is £1000 per insured person, up to £250 for single articles and up to £250 for valuables. There are limits in the personal possessions and valuable sections that may not be enough for expensive items such as jewellery and photographic or video equipment. However, you can usually insure these items separately under the 'All Risks' extension of your home insurance.

The Direct Line European Travel policy covers the following countries:

Albania, Alderney, Algarve, Algeria, Andorra, Austria, Azores, Balearic Islands, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Canary Islands, Capri, Channel Islands, Corfu, Corsica, Costa Brava, Costa del Sol, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Eire, Estonia, Finland, France, Germany, Gibraltar, Gran Canarias, Greece, Holland, Hungary, Iceland, Ireland, Israel, Italy, Jordan, Latvia, Lebanon, Libya, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Majorca, Malta, Minorca, Monaco, Monte Carlo, Montenegro, Morocco, Norway, Netherlands, Poland, Portugal, Romania, Russia (West of Urals), San Marino, Serbia, Spain, Slovak Republic, Slovenia, Spitsbergen, Svalbard, Sweden, Switzerland, Syria, Turkey, Tunisia, Ukraine, Vatican.