Search results for high value items

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• 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

• 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

• 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

• Can I put 2 items in the one specified high value item cover?

  Under the Luggage and Personal Effects Benefit, you can only specify one item per Specified High value item cover, up to a maximum of $5000 per item or set, and a total of up to $10 000 for all

• 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

• 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

• 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

• 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

• 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

• 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

• What is 'Bicycle' cover?

  You only have this cover if you purchased the Bicycle Pack under under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. Cover under this

• 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

• 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

• Can I increase the value on my watch?

  Dress watches (eg Rolex and Tag Heuer) are considered jewellery, and can only be covered up to a maximum of $750. It is not possible to increase the value of these type of watches. Smart watches (eg

• 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

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

  Where a claim is for the loss or theft of, or damage to, luggage and personal effects, you must: where it is reasonably possible, report the loss or theft as soon as practicable, but preferably

• What does 'unspecified items' mean in the PDS?

  'unspecified items' means luggage and personal effects that have not been listed as covered on your certificate of Insurance with a nominated sum insured. For more information, refer to our Product

• If my luggage is damaged by the airline, 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

• 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

• 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

• 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

• 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 your unattended motor vehicle during daylight hours, provided you have complied with the conditions of cover, is $200 for

• 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

• Are fishing rods and reels considered single items or a related set of items?

  A rod and reel is considered a set and would be covered up to a maximum of $750. Note: The Rod and reel are not considered separate items unless you specify additional cover up to a maximum of $5000

• 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

• Does Rental Vehicle Excess Cover apply to valuables?

  Rental Vehicle Excess cover only covers the EXCESS component of your car rental insurance. However, our overseas Comprehensive, Standard Saver, Snow Sports Plus and Frequent Traveller Saver policies

• What if my new policy exceeds the value of my Credit?

  If the total cost of your new policy exceeds the value of your Credit, the entire Credit value must be used and you will be charged for the balance.

• 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

• 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

• 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

• What if my new policy costs less than the value of my Credit?

  If your Credit is greater than the total cost of the policy, the balance of your Credit will remain and you can use it for another policy.

• Is my pre-existing medical condition covered?

  The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for

• 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

• 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 and you are not leaving the airport. Cover is subject to

• What doesn't my cruise travel insurance policy cover?

  As with all types of insurance, you can’t be covered for every situation that occurs. Some things that we can’t cover you for while you’re on your cruise holiday include: Missed ports: Sometimes it

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

  Cover is available for any items which you personally own and take with you on your trip, even if you bought the item on Facebook Marketplace. As with all claims for lost or stolen items, you must

• Can I claim if I lose an item that isn'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

• 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

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

  As rules and regulations vary depending on your destination, you should contact the Emergency Assistance team, the nearest Australian Embassy, High Commission or Consulate if you require assistance.

• 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

• Can I add cruise insurance after I have started my holiday?

  We know that your plans may change during your holiday. If you don’t have a cruise travel insurance policy, and you decide to go on a cruise – it’s not too late to be covered for your cruise trip!

• 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

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

  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 due to an

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

  What to do if your passport is lost, stolen or damaged while you are overseas: Contact your nearest Australian Embassy, High Commission or Consulate. You can also contact the 24 hour Consular

• Can I still claim if I've left my luggage and personal effects unsupervised in a public place?

  There are times when we will not pay if you have not reasonably looked after your luggage and personal effects. For example, we will not pay if you transport your jewellery, computer or certain other