What is the difference between 'lost' and 'unsupervised' items under Fast Cover Travel Insurance?

Under Fast Cover travel insurance, how an item is classified—whether as “lost” or “unsupervised”—can affect whether a claim may be paid. 

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  
  • 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. 

In assessing any claim, the Claims Team will consider the specific circumstances such aswhat steps you took to safeguard and recover your belongings. Whether cover is available will depend on the applicable policy wording, including any relevant exclusions related to unattended or unsupervised items. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

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