You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report.
These reports are the only proof that the loss/theft did actually occur. Without them the Insurer cannot make any payment to you.
Note: If you leave luggage and personal items unattended in a public place then the Insurer cannot be held responsible for any resultant claim. You should always take care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.