Is there a limit to the number of times that I can claim for the same item?

There is no limit to the number of times that you can submit a claim for a particular item, as long as it is not for the same incident or event, and benefit limits and sub-limits still apply

For example: You have a laptop which was damaged early in your trip, you put a claim in, and then the laptop is stolen.

The most that you can claim for your laptop is $3000 for each event, and if you have a Comprehensive policy, the most you can claim for lost, damaged or stolen items is $10 000 in total.

If your laptop is stolen after your claim for damage is settled:
You can claim up to $3000 for the damage to the laptop and then you can claim up to another $3000 for the stolen laptop. The damage and the theft are considered separate events, and you would incur an excess on each claim (if you have one). If both events are paid out in full, you would have $4000 left of your Luggage and Personal Effects Benefit for the remainder of your policy.

If your laptop is stolen BEFORE your claim for damage is settled:
You can withdraw (cancel) your claim for the damage to the laptop, and submit a claim of up to $3000 for the theft of the laptop. You would not be able to claim for both damage and theft, as the laptop has been stolen and is no longer available to be repaired. In this situation, as there is now only one claim, you would only pay one excess (if you have one). If the claim for the theft of your laptop is paid out in full, you would have $7000 remaining of your Luggage and Personal Effects benefit for the remainder of your policy.

Note:

  • Please note that depreciation will be applied to all claims for unspecified luggage and personal effects.
  • The Luggage and Personal Effects benefit is only available for the Basics policy if you have purchased the optional Luggage and Personal Effects cover up to $2000 for an additional fee.
  • All claims are assessed on a case by case basis and will depend on your particular circumstances.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).