Search results for high value items

124 articles found

• What is Specified High Value Item Cover?

  If you are travelling with valuable items, you may have the option to specify them as Specified high value item depending on the policy you have taken out with Fast Cover Travel Insurance. If you

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

  Yes, depreciation is generally applied when calculating a claim for lost, stolen, or damaged items under the Luggage and Personal Effects benefit. This means the amount paid reflects the item’s

• Can I increase the benefit limit to cover for my valuable belongings?

  If you are travelling with valuable items worth more than the sub-limits for unspecified items, you can choose to pay an additional premium and declare that item as a specified high value item,

• Is my wheelchair covered while I’m travelling?

  Your wheelchair can be considered as part of your Luggage and Personal Effects. It’s treated as an unspecified item, which means it has a limit of up to $750 under the standard limits. If you’d like

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

  You can choose to buy extra cover for certain valuable items by listing them as Specified high value items. Cameras and their lenses are eligible, but there is an important detail to know. A camera

• What does ‘Delay of Luggage and Personal Effects’ cover?

  This benefit provides cover for damage, loss or theft of your own personal items which you take with you on your trip. The luggage and personal effects that you take with you on your trip are covered

• What is an Unspecified item under my policy?

  An Unspecified Item means Luggage and personal effects that have not been listed as covered on your certificate of insurance with a nominated sum insured. You do not need to declare Unspecified items

• Are drones covered under my policy?

  Cover is available for loss, theft, or damage to drones under the Luggage and Personal Effects benefit. By default, drones are only covered up to $750 and depreciation will apply. If your drone is

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

  When luggage or personal items are stolen from the locked boot or locked storage compartment of an unattended car during daylight hours, your situation can be considered under the Luggage and

• How is Depreciation applied to items under my travel insurance policy?

  Depreciation is applied to Unspecified luggage and personal effects based on the age of the item and its expected wear and tear over time. The amount claimable is limited to the original purchase

• Are musical instruments covered by travel insurance?

  Musical instruments may be considered under the Luggage and Personal Effects benefit of your Fast Cover Travel Insurance policy, if it meets the definition of “Luggage and personal effects” under the

• If I buy extra cover for only two of my camera lenses, how does that affect my cover?

  The two lenses you list as a specified high value item, in the event of a claim, they will be assessed in line with the value of cover you chose when adding them to your policy. Your camera body and

• How much cover is available for Luggage and Personal Effects?

  The amount you’re covered for depends on the type of policy you choose. Each policy has an overall limit for all luggage and personal items combined, as well as sub limits for specific types of items

• What’s the difference between Fast Cover’s Standard Saver and Comprehensive travel insurance?

  The main difference between Standard Saver and Comprehensive travel insurance is the level of cover and the benefit limits available under each policy. Comprehensive travel insurance offers broader

• Can I increase the value on my watch?

  Dress watches, such as Rolex or Tag Heuer styles, are considered jewellery under the policy. These items are included up to a maximum of $750, and the cover limit for this type of watch cannot be

• What does “unspecified items” mean?

  Unspecified items are your everyday belongings that you take on your trip without listing them individually on your policy. Things like clothing, toiletries, shoes, books, phones, cameras and most

• What should I do if my luggage goes missing while I’m travelling?

  If your luggage has been lost, stolen, or misplaced during your trip, there are a few steps you’ll need to take so your claim can be assessed properly. First, report the loss as soon as you can.

• 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

• If my luggage is damaged by the airline, who should I contact for compensation?

  In the first instance, you should report the damage to the airline or transport provider and seek compensation directly from them. When it’s reasonably possible, make sure you get a written report

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

  The Delay of Luggage and Personal Effects benefit reimburses you for the reasonable cost of essential clothing and personal items you need to buy if your checked luggage is delayed, misdirected, or

• What does it mean when an item is considered ‘Unsupervised’?

  When something is described as unsupervised, it means your belongings have been left somewhere without you watching over them and without anyone whom you either knew prior to commencing your trip or

• Are items left behind in taxis, trains, planes, or hotel rooms covered?

  Items that are left behind in taxis, trains, planes, or hotel rooms after check-out are not covered, as they are considered to have been left unsupervised. Travel insurance requires that luggage and

• What does ‘Luggage and Personal Effects’ mean in travel insurance?

  ‘Luggage and Personal Effects’ refer to your personal items that you own and take with you, or buy during your trip, which are designed to be worn or carried. This can include: Clothing Personal

• Is my pre-existing medical condition covered?

  By way of basic overview, cover will not be available for the following unless approved by us: • For any new medical condition you suffered during the term of your existing policy or change to any

• Am I covered if my belongings are stolen from my tent while I’m camping?

  No, belongings stolen from a tent are not covered if the tent is left unattended, even if it was zipped up or secured. For a claim to be considered under the Luggage and Personal Effects benefit,

• Does Rental Vehicle Excess Cover Apply to Valuables?

  Rental Vehicle Excess cover only covers the excess component of your rental vehicle insurance. However, our overseas policies including the Comprehensive, Standard Saver, Snow Sports Plus and

• What do we mean by ‘Unsupervised’ items?

  When we say ‘unsupervised’ this means: Luggage or personal effects that are left with a person who you did not know prior to leaving for your trip Baggage that is left with a person not listed or

• Are GoPros covered under travel insurance?

  GoPros are treated as camera, which means they’re covered as part of your luggage and personal effects up to the item limits that apply to your policy. If a GoPro isn’t listed as a Specified high

• When should I buy my travel insurance for high altitude trekking?

  At Fast Cover, you can buy travel insurance for your hike or trek up to 12 months prior to your departure date. Please note cancellation cover is only available with our Standard Saver,

• Is my Apple watch considered a watch?

  An Apple Watch is not treated as a standard watch under your cover. It’s classified as an electronic device, similar to a mobile phone or tablet. This means it follows the same rules and sub limits

• What are Additional Options (Add Ons) under Fast Cover Travel Insurance policy?

  Additional options, also referred to as Add-ons, are optional benefits that can be added to your Fast Cover travel insurance policy for an additional premium. These options allow you to customise

• Is golf equipment covered under my travel insurance policy?

  Golf clubs may be included under the Luggage and Personal Effects benefit of your Fast Cover travel insurance policy, depending on the policy you’ve chosen. The maximum combined benefit payable for

• 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

• Can I make a claim if I don’t have proof of purchase for 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

• Am I covered for an item I bought off Facebook marketplace?

  Items purchased through platforms such as Facebook Marketplace may be covered under your Fast Cover travel insurance policy, depending on the reason for the claim, the type of item, and the type of

• Can I increase the cover for my Wedding Ring?

  Wedding rings, along with all other types of jewellery, are included under the Luggage and Personal Effects benefit up to a maximum of $750 per item. You cannot increase the cover above this limit,

• What is considered a 'set' under the luggage benefit?

  A set is generally when two or more items are designed to be used together or are related pieces that form a group. If something belongs to a pair or a set, it’s treated as one item for claim

• What is the etiquette for travel in the Philippines?

  Filipinos value respect and courtesy. Greet with a handshake, dress modestly (especially at religious sites), remove shoes when entering homes, and use your right hand for giving or receiving items.

• Do I need to upgrade my travel insurance to a higher region if I’m only stopping over for less than 48 hours?

  If your stopover in a destination that is not listed on your policy or not included in the region listed on your policy, is less than 48 hours and you do not leave the airport, you do not need to

• Can I make a claim if the item that was lost wasn’t mine?

  Our Luggage and Personal Effects benefit can only cover you for the loss, damage or theft of your own personal items. There is no cover for any items that you take with you on your trip, which are

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

  There is no limit to the number of times you can submit a claim for a particular item, provided the claims are not for the same incident or event. Each claim must relate to a separate, valid

• How long does it take to get a visa for Japan from Australia?

  The processing time for a visa application usually ranges from 5 to 10 working days, provided all documents are submitted correctly. Factors that could extend the timeline include incomplete

• What is considered specialist climbing equipment?

  Although the term ‘Specialist Climbing Equipment’ is not defined in the Product Disclosure Statement, it generally refers to gear or devices specifically designed for specialised climbing activities

• What happens if my luggage is stolen from a hire car that has no locked storage area?

  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

• Is it safe to travel to Indonesia?

  The Australian Government advises to exercise a high degree of caution in Indonesia overall due to security risks. Changing civil, political and climate conditions may affect whether Indonesia is

• Is it safe to travel to the Philippines?

  The Philippines is generally considered safe for Australian travellers, especially in established tourist destinations. However, the Australian government advises exercising a high degree of caution

• How long does it take to get a visa for the UK from Australia?

  It typically takes between 3-12 weeks for a visa to the UK to be processed, depending on the type of visa you apply for. Express services may be available for an additional fee. As entry and visa

• Can you fly pregnant at 8 months?

  Flying at 8 months pregnant (36 weeks) is generally not recommended. Airlines usually require a fit-to-fly certificate from your doctor after 28 weeks and many restrict flying after 36 weeks. High

• How much is a UK visa for Australians?

  UK visa fees for Australians may vary depending on various factors including but not limited to the type of visa, entries into the UK and duration of your total stay. Check the UKVI’s visa fees tool

• What should I take on a cruise?

  Packing the right items for your cruise can ensure an enjoyable cruise holiday. Your cruise ship packing checklist should include travel documents, sunscreen, comfortable clothing, and travel