Example of clothing & accessories (personal effects):
Sports Related Sat Navs
Protective Sports Clothing
Body Armour etc.
Your cover will include: Any Equipment, clothing and personal effects that you own, or for which you are legally responsible for, and which is/are intended to be used whilst taking part in its related sport or activity.
Go-Pro cameras will be covered as their primary purpose is to be used while taking part in a sport/leisure activity. They are designed and built for this and can withstand more damage than a regular camera.
GPS based devices, like handle bar mounted devices used for monitoring distance/calories burnt/performance/mapping etc. would be covered as again there are designed for this intended use.
A Fitbit would be covered as it is designed and intended to be used whilst participating in a sporting or leisure activity.
Devices such as an Apple watch or mobile phones would not be covered, as their primary use or design is not intended to be solely used for these activities.
A mobile phone’s primary use by design is intended for making calls/texts/Internet, and any sports or leisure applications that can be installed are secondary to it’s primary intended function.
Other hand help cameras/digital SLR cameras/movie cameras etc. would not be covered as unlike Go-Pros, their stability and durability are not designed to be used in sport or leisure activities as a primary function.