Search results for high value items

79 articles found

• Is Depreciation applied on Specified High Value Items?

  No, Depreciation is NOT applied on Specified High Value Items for which you have bought extra cover. The most we will pay will be the original purchase price of the specified item. Cover is subject to

• How many specified high value items can I add to my policy?

  There is no limit on the number of items that you specify high value items for. However, the maximum we will pay for any single Specified High Value item or set is $5 000, and all Specified High Value

• If I specify high value items, is this amount additional to the luggage cover already included in the policy?

  Yes, the cover purchased by specifying an item of higher value is additional to the limit for items covered under the unspecified cover. For example: The unspecified item limit for your phone is $1 00

• What is Specified High Value Item Cover?

  If you will be taking a valuable item with you on your trip, and the amount that the item is automatically covered for is not enough, you can pay an additional premium to increase the cover for the va

• Can I purchase Specified High Value Item cover for my golf clubs?

  Yes, you can buy Specified High Value item cover for your golf clubs up to $5 000 for each item and up to a maximum of $10 000 in total. For more information, refer to our  Product Disclosure Statemen

• If I increase the cover for an item, is this amount in addition to its unspecified cover limit?

  No, additional cover for specified high value items is not additional to the unspecified limit. If you buy additional cover for an item, the unspecified limit will no longer apply. For more informatio

• Can I buy extra cover for my valuable items?

  Yes, extra cover for your valuable luggage and personal effects can be purchased for an additional premium and are referred to as Specified High Value items. You can increase the value up to $5,000 fo

• What is covered under the 'Luggage and Personal Effects' benefit?

  This benefit provides cover for damage, loss or theft of your own personal items which you take with you on your trip. Depending on your situation, up to the limits for this benefit, we may at our dis

• Will depreciation be applied to my lost or damaged items?

  Depreciation will be applied to claims for luggage and personal effects at such rates as reasonably determined by us. Subject to the item sub limits set out on the Benefit Summary of the Product Discl

• What's the differences between Standard Saver and Comprehensive travel insurance?

  Our Comprehensive policies provide you with more cover for your trip, and the benefit limits are also higher compared to the Standard Saver policy.  Comprehensive policies can cover you for: Unlimited

• How is Depreciation on items applied?

  Depreciation is applied based on the age and wear and tear of the item. Subject to the item sub limits set out on the Benefit Summary of the Product Disclosure Statement (PDS), the most we will pay is

• I have a camera and accessories, if I buy additional cover for only 2 of my lenses, how will that affect my cover?

  The 2 lenses that you have purchased additional cover for (specified items) will be covered up to the value that you have specified. The camera and the rest of the other camera accessories (unspecifie

• Is a camera and its lenses treated as separate items?

  No, all of your camera equipment is treated as one item.  If you have the Comprehensive, Standard Saver, Snow Sports Plus, Domestic and Frequent Traveller Saver policy: Your camera equipment has a sta

• How is the value of purchased second hand items determined?

  Second hand items are treated as per your usual personal items. The value would be determined by finding out the current market value of the item.  For example, the current sale price on Gumtree or eB

• Is Hyperlipidaemia (High Blood Lipids) covered?

  Yes, provided: You do not also suffer from a known cardiovascular disease and/ or Diabetes,  Have not been hospitalised (including day surgery or emergency department attendance) for that condition in

• Is Hypertension (High Blood Pressure) covered?

  Yes, provided: You do not also suffer from a known cardiovascular disease and/ or Diabetes,  Have not been hospitalised (including day surgery or emergency department attendance) for that condition in

• I've lost my luggage, what do I do now?

  You must report the loss within 24 hours to the bus line, airline, shipping line or rail authority you were travelling on when the loss occurred, and obtain a written statement from them. You can put

• Can I make a claim for my luggage and personal effects if I don't have receipts?

  Yes, you can still make a claim. We understand that you might not be able to provide receipts for each and every item. However, you still have to provide evidence of ownership. You may submit photogra

• If my luggage is damaged, who do I see to get compensation?

  In the first instance, you should report and seek compensation for the damage to airline or your transport provider. If your transport provider does not provide full compensation or only partially com

• What is 'Delay of Luggage and personal effects' cover?

  This benefit reimburses you for expenses you incur if you have to purchase essential items of clothing and personal items because your luggage is delayed, misdirected or misplaced by your carrier for

• What does 'Unsupervised' mean?

  'Unsupervised' 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 tr

• Do you cover items left behind in taxis, trains, planes or hotel rooms after check-out?

  No, items left unsupervised are not covered. Please ensure that you check that you have all your luggage and personal items before you leave taxis, trains, planes or hotel rooms. Cover is subject to t

• What is an unspecified item?

  Unspecified items are your belongings which you bring with you on your trip, for which you have not paid an additional premium to increase the cover for them. They are not specifically listed on your

• Is Hypercholesterolaemia (High Cholesterol) covered?

  Yes, provided: You do not also suffer from a known cardiovascular disease and/ or Diabetes,  Have not been hospitalised (including day surgery or emergency department attendance) for that condition in

• Is Diabetes Mellitus (Type I) covered?

  Diabetes Mellitus (Type I) is covered providing you: Were diagnosed over 12 months ago, and Have no eye, kidney, nerve or vascular complications, and Do not also suffer from known cardiovascular disea

• Is Diabetes Mellitus (Type II) covered?

  Diabetes Mellitus (Type II) is covered providing you: Were diagnosed over 12 months ago, and Have no eye, kidney, nerve or vascular complications, and Do not also suffer from known cardiovascular dise

• What does 'Single Item Limit' mean for a collection of items?

  When an item is part of a collection, for example a set of baseball cards, and you lose one item of the collection, the most you can claim for is the value of the single item and not the value of the

• Am I covered if my luggage is stolen from the locked boot of my unattended car during daylight hours?

  The most we will pay if your luggage and personal effects are stolen from the locked boot or from a locked storage compartment of an unattended motor vehicle during daylight hours is $200 for each ite

• What does 'Single Item Limit' mean for a pair of items?

  When an item is part of a pair, and you lose one item of the pair, the most you can claim for is the value of the single item. Example: The most you can claim for a pair of earrings is $750. If you lo

• Can I buy extra cover for my camera lense only?

  Yes, you can choose to increase the value that the camera lens is covered for, for an additional premium.  Note: If you increase the cover for your lens, it will then be considered a Specified High Va

• 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

• What is the meaning of 'Luggage and Personal Effects'

  'Luggage and Personal Effects' means any personal items owned by you and that you take with you, or buy on your trip and which are designed to be worn or carried about with you. This includes items of

• Are a matching pair of earrings considered 2 separate items?

  No, a matching pair of earrings are considered one item and the pair would be covered up to a maximum of $750 and is subject to depreciation. Note: As a pair of earrings are considered 1 item - if you

• Can I still claim if I don't have proof of purchase of my items?

  Yes, you can still make a claim. We understand that you might not be able to provide receipts for each and every item. However, you still have to provide evidence of ownership, and you may submit phot

• Am i covered if my relative has cancer and there is a high chance that they may die when we travel?

  There may be cover if you weren't reasonably aware of your relative's condition when you purchased the policy. If, at the time that you purchased your policy, you were aware that they had cancer and m

• Do I need to upgrade my Policy to a higher Region if I am only stopping over for less than 48 hours?

  No, you DO NOT need to upgrade to a higher Region. You only need to upgrade if you are staying in that higher Region for more than 48 hours.

• What pre-existing medical conditions are covered?

  Travel insurance only provides cover for emergency overseas medical events that are unforeseen. The following 43 Pre-existing Medical Conditions are automatically covered, provided that: You have not

• Do you have policies with no Medical Cover?

  Due to the high cost of medical expenses in some countries, all our policies provide medical cover in case of medical emergencies. For more information, refer to our Product Disclosure Statement (PDS)

• Do I have to hand over my passport to receive medical treatment?

  You should not give anyone your original passport other than if required by the police or airport authorities. Remember to take a photo and a few photocopies of your passport whenever you travel overs

• My hired SUV has no locked storage compartment, am I covered if my luggage or belongings are stolen?

  If you are not able to get an SUV with an enclosed boot space or locked storage compartment, and hence the cargo area is exposed, you need to take reasonable measures to ensure that your luggage and p

• Am I covered for cancellation if I'm in the Armed Forces and I'm recalled to work?

  Yes, we have special provisions in place for Trip Cancellation Expenses for members of the Australian Armed Forces (army/navy/air force) if your pre-arranged leave is unexpectedly cancelled by your em

• What is considered a dangerous activity?

  A dangerous activity is one where there is a high degree of risk of harm to you or someone else, even if reasonable care is being taken. If you do not act in a responsible way to protect yourself and

• 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 examp

• What is the General Insurance Code of Practice?

  Hollard is a member of the Insurance Council of Australia and also a signatory to the General Insurance Code of Practice. The objectives of the Code are to: commit us to high standards of service; pro

• What should I do if I have lost my passport?

  If your passport is lost or stolen while you are overseas, you should contact your nearest Australian Embassy, High Commission or Consulate. You can also contact the 24 hour Consular Emergency Centre

• How many times can I use the Rental vehicle excess benefit?

  You can claim on your Rental Vehicle Excess benefit as many times as you like up to the maximum value ($5000 or $8000) that you have chosen. Cover is subject to the policy terms, conditions, limits an

• Can I claim if I take my brother's iPad overseas and it is stolen?

  No, you can only claim for lost, stolen or damaged items which are yours, and not someone else's.  For more information, refer to our Product Disclosure Statement (PDS).

• Why is Fast Cover so cheap?

  We always try our best to keep our prices as low as possible, while at the same time providing you with great value cover. We can do this because we don't have a shop front and deal directly with our

• Is repatriation as a direct result of terrorism included in the cover?

  If you are travelling and you are injured in an overseas terrorist attack, you still have cover for repatriation, provided you are not in a country or region that has a 'Reconsider your need to travel

• What are Additional Options or Add-ons?

  Additional options or Add-ons are extra cover you can purchase with your policy so you can tailor your policy to suit the type of holiday you're taking. Depending on the policy you choose, Additional