Why Looking After Your Belongings on Holiday is Crucial

At Fast Cover Travel Insurance, we often see claims for lost or stolen items that could have been avoided with a bit more vigilance. Let's dive into why it's crucial to keep an eye on your stuff and how our travel insurance can help protect you – but only if you follow the guidelines! 

Understanding Your Travel Insurance Coverage 

Benefit 14: Luggage and Personal Effects 

This benefit covers damage, loss, or theft of your personal items while on your trip. Depending on your policy, and noting that on a Basics policy, the luggage benefit is optional so must be added to include cover, the coverage can range from $2,000 to $15,000 for all items combined. But remember, there are some sub-limits: 

• Personal computers, video recorders, and cameras: $3,000 
• Mobile phones and other communication equipment: $1,500 
• Tablet devices like iPads: $1,000 
• Other unspecified items: $750 

These limits mean that while you may have cover in place for your belongings, you need to be mindful of the value of each item you bring. 

Important Cover Conditions 

To ensure you have taken appropriate measures to protect your belongings, it’s important to read the Product Disclosure Statement including the terms, conditions, sub limits and exclusions that apply, including (but not limited to) adhering to these critical conditions: 

Practical Tips for Safeguarding Your Belongings 

Here are some easy tips to make sure your holiday remains stress-free: 

• Keep an Eye on Your Stuff: It's easy to get distracted by beautiful sights, but always keep your belongings in sight, especially in crowded places. 
• Use Anti-Theft Bags: These are designed to be difficult for pickpockets and can give you peace of mind in busy areas. 
• Mark Your Belongings: A distinctive mark or tag can help identify your items and deter thieves. 
• Stay Alert in Public Places: Be cautious in places like cafes, beaches, and public transport where thieves might target unattended bags. 
• Insure High-Value Items: If you’re bringing expensive items, consider specifying them in your policy to ensure you have adequate cover in place. 

FAQ's

Keeping your belongings safe while on holiday ensures a smoother, more enjoyable trip. By following these tips and understanding your travel insurance coverage, you can reduce the risk of loss and make the most out of your adventure. Don’t let the unexpected ruin your getaway – stay vigilant and insured with Fast Cover Travel Insurance! 

For more travel tips and safety advice, visit Smartraveller. 

Any advice is general only and does not take into account your personal objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which product is right for you. 

As everyone’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case-by-case basis. 

The information provided in this article is valid as of 18 June 2024. For the most up-to-date details and terms of coverage, please refer to the latest version of our Product Disclosure Statement (PDS) at fastcover.com.au/pds.