What is the difference between 'lost' and 'unsupervised' items?
A “lost” item means: Any personal item owned by you, that is no longer in your possession and cannot be found or recovered.
An “unsupervised” item means:
- when you do not leave your luggage and personal effects in a secure place; or
- leaving your luggage and personal effects with a person you did not know prior to commencing your trip; or
- leaving your luggage and personal effects with a person not named on your certificate of insurance or who is not a travelling companion; or
- leaving your luggage and personal effects where they can be taken without your knowledge, including but not limited to on the beach, poolside while you swim, in the seat pocket of your plane seat and includes if you are asleep and your belongings are taken without you knowing; or
- leaving your luggage and personal effects at such a distance from you that you are reasonably unable to prevent them from being taken; or
- forgetting or misplacing your luggage and personal effects, leaving them behind or walking away from them.
Whether an item is "lost" or was "unsupervised" will depend on your particular situation.
We consider the following when assessing your claim:
- The circumstances surrounding how the item was left behind
- The steps you took to try to recover your item
The Claims team will assess all claims on a case by case basis.
Cover is subject to the policy terms, conditions, limits and exclusions in the
Product Disclosure Statement (PDS).
For more information on our luggage and personal effects benefit, read: