Luggage FAQs | Fast Cover

Luggage and personal effects FAQs

  1. Is a camera and its lenses treated as separate items and hence each lens is covered for up to $750?

    No, all of your camera equipment is treated as one item. Camera Equipment has a standard coverage of $3,000*, although you can increase the cover to a maximum of $10,000 by buying Specified High Value Item Cover.

    *If you have purchased this option on the Basics Policy cover is limited $2,000. Specified High Value Item Cover is not available for the Basics Policy.

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  2. What is the meaning of 'Locked Storage Compartment' in the PDS?

    'Locked Storage Compartment' means a glove box, enclosed centre console, or concealed cargo area of a sedan, station wagon, hatchback, van or motorhome

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  3. 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 clothing, personal jewellery, unset precious or semi-precious stones, photographic and video equipment, personal computers, electrical devices or portable equipment. However, it does not mean a bicycle, any business sample, passports, travel documents, cash, bank notes, currency notes, watercraft of any type (except surfboards), furniture, furnishings, household appliances, hired items or items that you intend to trade

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  4. What does 'Unsupervised' mean in the PDS?

    'Unsupervised' means:

    • leaving your luggage and personal effects with a person you did not know prior to commencing your trip; or
    • leaving your luggage and personal effects with a person not named on your certificate of insurance or who is not a travelling companion, or
    • leaving your luggage and personal effects where they can be taken without your knowledge, including but not limited to on the beach, poolside while you swim, in the seat pocket of your plane seat and includes if you are asleep and your belongings are taken without your knowing; or
    • leaving your luggage and personal effects at such a distance from you that you are reasonably unable to prevent them from being taken; or
    • forgetting or misplacing your luggage and personal effects, leaving them behind or walking away from them.

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  5. Can I buy extra cover for my valuable items?

    Specified High Value Items Cover

    Additional cover can be purchased under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies for Specified High Value Items (specified items) luggage and personal effects (excluding jewellery, fragile or brittle items, bicycles and watercraft other than surfboards) up to $5,000 for any single item and $10,000 in total for all Specified High Value Items combined.

    Depreciation and the standard item limits under Benefit 14 of the PDS will not apply to these specified items.

    The amount of additional cover you purchase will be shown on your Certificate of Insurance.

    Your nominated limit for 'Specified High Value Items' cover will be shown on your Certificate of Insurance. Receipts and/or valuations must be provided in the event of a claim.

    Please also read General Exclusions that apply to all benefits in the PDS that apply to all benefits.

     

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  6. What does 'Specified High Value Items' mean in the PDS?

    'Specified high value items' means luggage and personal effects that have been listed as covered on your Certificate of Insurance with a nominated sum insured.

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  7. 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.

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  8. What is covered under 'Passports, Credit Cards & Credit Card Fraud'?

    You only have this cover if you chose the Comprehensive, Standard Saver, Snow Sports Plus and Frequent Traveller Saver policies.

    PLEASE NOTE: You will not have cover under this Benefit of the PDS while travelling in Australia

    We will pay:

    • To reimburse You the replacement costs (including communication costs) of any travel documents, including passports, credit cards or travellers cheques You lose or which are stolen from You during Your Trip.
    • To also cover any loss resulting from the fraudulent use of any credit card held by You following the loss of the card during Your Trip. We will only cover those amounts not covered by any guarantee given by the bank or issuing company to You as the cardholder covering such losses.
    • Cover is limited $2,000 for the Standard Saver Policy.  Cover is limited to $5,000 for the Comprehensive, Snow Sports Plus & Frequent Traveller Saver Policies.

    We will not pay:

    • You do not report the theft within 24 hours to the police and, in the case of credit cards and travellers cheques, to the issuing bank or company in accordance with the conditions under which the cards or cheques were issued; and
    • You cannot prove that You made a report to the above relevant persons by providing Us with a written statement from them.

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  9. What is covered under 'Theft of cash'?

    You only have this cover if you chose the Comprehensive, Snow Sports Plus, and Frequent Traveller Saver policies.

    PLEASE NOTE: You will not have cover under this Benefit while travelling in Australia

    We will pay:

    • Up to a maximum of $250 for theft of cash, bank notes, currency notes, postal orders or money orders that have been forcibly and violently stolen from You during Your Trip.

    We will not pay:

    • You do not report the theft within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority You were travelling on when the theft occurred. You must prove that You made a report by providing Us with a written statement from whoever You reported it to.
    • The cash, bank notes, currency notes, postal orders or money orders were not on Your person at the time they were stolen.

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  10. What is covered under 'Luggage and personal effects'?

    You have this cover if you chose the Comprehensive, Standard Saver, Snow Sports Plus, Domestic, Frequent Traveller Saver and Basics (optional add-on) policies.

    PLEASE NOTE: for the purpose of this Benefit in the PDS:

    • 'specified items' refers to luggage and personal effects that have been listed as covered on your Certificate of Insurance with a nominated sum insured
    • 'unspecified items' refers to luggage and personal effects that have not been listed as covered on your Certificate of Insurance with a nominated sum insured.

    We will pay:

    • Up to the limits set out in the Benefit Summary above, if during your trip, an item of your luggage and personal effects is permanently lost, stolen or accidentally damaged, we will, at our option:
      o Repair the item
      o Replace the item, or
      o Pay you the amount it would cost us to repair or replace the item.

      Subject to the item sub limits set out on the Benefit Summary above, the most we will pay is the
      original purchase price of the item less any depreciation that applies. Depreciation will be calculated
      as detailed under the heading Depreciation in the PDS.


    No depreciation will be applied to luggage and personal effects purchased duty free prior to your
    departure, luggage and personal effects purchased during your trip, or Specified High Value Items
    listed on your Certificate of Insurance.

    Where an item is part of a pair or set, we will pay no more than the value of the lost, damaged or
    stolen part, regardless of any special value that the item may have had as part of a pair or set.

    A pair or related set of items are considered as only one item and the appropriate single item limit will
    be applied. For example, but not limited to:
    o a camera, lenses (attached or not), tripod and accessories; or
    o a matching pair of earrings.

    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 item, and $2,000 in total for all stolen items, even if you have purchased Specified High Value Item Cover.

    We will not pay:

    • If your luggage and personal effects were left unsupervised in a public place.
      • If the loss, theft or damage is to items left behind in any accommodation, hotel or motel room after you have checked out or items left behind in any aircraft, cruise ship, ferry, train, tram, taxi or bus or rental vehicle.
      • For the loss, theft, or damage of jewellery, mobile phone, camera, video camera, personal computer, computer equipment or their accessories that were transported in the cargo hold of any carrier.
      • For the loss, theft or damage of jewellery, watches, mobile phones, cash, bank cards or travel documents not carried on your person when using transport providers.
      • If your jewellery, watches, mobile phones, camera, video camera, personal computer, computer equipment, are lost or stolen from your accommodation where a safe or locker has been provided and you fail to use it.
      • If the luggage and personal effects were left during the daylight hours in an unattended motor vehicle, unless they were locked in the boot or in a locked storage compartment.
      • If the luggage and personal effects were left in an unattended motor vehicle overnight, even if they were locked in the boot or in a locked storage compartment.
      • If the luggage and personal effects were left with a motorcycle, moped or scooter, even if they were locked in a locked storage compartment.
      • If the luggage and personal effects were being sent unaccompanied or by post, courier or under a freight contract.
      • If your jewellery, mobile phone, camera, video camera, personal computer, computer equipment or their accessories are transported in the cargo hold of any aircraft, cruise ship, ferry, train, tram or bus.
      • If you do not report the loss, theft or misplacement of the luggage and personal effects within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or misplacement occurred. You must prove that you made such
      report by providing us with a written statement from whoever you reported it to.
      • If the loss relates to a mobile phone or device with phone capabilities and you are unable to supply the IMEI (International Mobile Equipment Identity) number. You are also required to block the IMEI number (by Australian telecommunication providers) of the stolen or lost mobile phone or device. We will not pay if the IMEI has not been blocked.
      • If the loss or damage is to, or of, sporting equipment (including bicycles and surfboards) while in use.
      • The loss, theft or damage is to or of bicycles unless you have purchased the optional Bicycle Cover and it is listed on the Certificate of Insurance.
      • The loss, theft or damage is to household equipment, mobile phone prepaid minutes you have not used, mobile rental charges or payments, motor vehicles and accessories, or items of a perishable nature (meaning items that can decay or rot and will not last for long).
      • The loss, theft or damage is to watercraft of any type (other than surfboards).
      • The loss or damage arises from any process of cleaning, repair or alteration.
      • The loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
      • The loss or damage arises an electrical or mechanical breakdown.
      • If the loss or damage is to, or of, fragile items made of glass or other brittle materials (such as glassware, china, ceramics, pottery, etc) or is an electronic component which is broken or scratched, unless either:
      o it is the lens of spectacles, binoculars or photographic or video equipment; or
      o the breakage or scratch was caused by a crash involving a vehicle in which you were travelling.
      • You are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).
      • For more than the applicable limits set out in the Benefit Summary in the PDS.
      • For damage to a drone while in use or confiscation of a drone by authorities whether in use or not.

     

    Please also read General Exclusions that apply to all benefits in the PDS.

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  11. What is 'Delay of Luggage and personal effects' cover?

    You only have this cover if you chose the Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies.

    PLEASE NOTE: You will not have cover under this Benefit of the PDS while traveling in Australia.

    We will pay:

    • If any items of your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 12 hours whilst you are on your trip, and in our opinion it was reasonable for you to purchase essential items of clothing or other personal items.
    • Cover is limited $500.

    We will not pay:

    • If you are entitled to compensation from the bus line, airline, shipping line or rail authority you were travelling on for the relevant amount claimed. However, if you are not reimbursed the full amount, and your loss is coverable under your policy, we will pay the difference between the amount of your expenses and what you were reimbursed up to the limit of your
    • Once you return to your home or after the period of insurance.
    • For more than the applicable limits set out in the Benefit Summary of the PDS.

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  12. What is 'Travel delay expenses' cover?

    You only have this cover if you chose the Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.

    We will pay:

    • Up to the limits set out in the Benefit Summary in the PDS, to reimburse up to $200 for each adult listed on the Certificate of Insurance for the reasonable additional meals and accommodation expenses if a delay to your trip, for at least 6 hours, arises from circumstances outside your control.
    • Up to the limits set out in the Benefit Summary above, to reimburse up to $200 for each adult listed on the Certificate of Insurance for each subsequent full 24-hour period that the delay continues beyond the initial 6-hour delay.

     

    We will not pay:

    • If the delay to your trip arises from:
      • the financial collapse of any transport, tour or accommodation provider; or
      • an act or threat of terrorism.
    • If you can claim your additional meals and accommodation expenses from anyone else.
    • If you have not checked in for your trip at or before the recommended time.
    • If you did not get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted.
    • For more than the applicable limits set out in the Benefit Summary in the PDS.

    Please also read the General Exclusions that apply to all benefits in the PDS.

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  13. What is 'Alternative transport expenses' cover?

    You only have this cover if you chose the Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.

    We will pay:

    • Your Reasonable additional travel expenses to reach a wedding, funeral, conference, sporting event or prepaid travel/tour arrangements on time if Your scheduled transport is cancelled, delayed, shortened or diverted during Your Trip and that means You would not arrive on time.
    • Cover is limited to $5,000.

    We will not pay:

    • The cancellation, delay, shortening or diversion of Your scheduled transport Arises from the financial collapse of any transport, tour or accommodation provider;
    • Your claim Arises from an act or threat of Terrorism.

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  14. Does travel insurance cover mobile phones?

    Phones are covered up to a maximum of $1000 and subject to depreciation.

    If you take out a Comprehensive policy, you can specify additional cover up to a maximum of $5000 for your mobile phone for an additional fee.

    Specified items are not subject to depreciation.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  15. 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 a claim in for the loss while you are still travelling or upon your return to Australia. You can make a claim online at https://fastcover.com.au/claims, by phone, by post or via email.

    Visit our claims page for more information.

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  16. What should I do if I have damaged my camera?

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

    If you caused the damage to the camera yourself, you must prove that you acted in a responsible way and took reasonable measures to minimise the damage to the camera.

    You can put a claim in for the damage while you are still travelling or upon your return to Australia.

    You can make a claim online at https://fastcover.com.au/claims, by phone, by post or via email.

    Visit our claims page for more information.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  17. What should I do if I have lost my phone?

    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 a claim in for the loss while you are still travelling or upon your return to Australia.

    You can make a claim online at https://fastcover.com.au/claims, by phone, by post or via email.

    Visit our claims page for more information.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  18. What should I do if my camera has been stolen?

    You must report the theft within 24 hours to the police, and obtain the police report.

    You can put a claim in for the theft while you are still travelling or upon your return to Australia.

    You can make a claim online at https://fastcover.com.au/claims, by phone, by post or via email.

    Visit our claims page for more information.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  19. My phone has been stolen, what do I do?

    You must report the theft within 24 hours to the police, and obtain the police report.

    You can put a claim in for the theft while you are still travelling or upon your return to Australia.

    You can make a claim online at https://fastcover.com.au/claims, by phone, by post or via email.

    Visit our claims page for more information.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  20. How much is my camera covered for?

    Cameras are covered up to a maximum of $3000 and is subject to depreciation.

    Camera lenses (whether they're attached or not), tripods and accessories are considered a part of the camera and subject to the single item limit.

    If you take out a Comprehensive policy, you can specify additional cover up to a maximum of $5000 for your camera for an additional fee. No depreciation applies to specified items.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  21. How much is my laptop covered for?

    Laptops are covered up to a maximum of $3000 and is subject to depreciation.

    If you take out a Comprehensive policy, you can specify additional cover up to a maximum of $5000 for your laptop for an additional fee. No depreciation applies to specified items.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  22. How much is my video recorder covered for?

    Video recorders are covered up to a maximum of $3000 and is subject to depreciation.

    If you take out a Comprehensive policy, you can purchase additional cover up to a maximum of $5000 for your video recorder for an additional fee. No depreciation applies to specified items.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  23. How much are my sunglasses covered for?

    Sunglasses are covered up to $750 and is subject to depreciation.

    If you take out a Comprehensive policy, you can specify additional cover up to a maximum of $5000 for your sunglasses for an additional fee. No depreciation applies to specified items.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  24. How much is my wedding dress covered for?

    Wedding dresses are covered up to $750 and is subject to depreciation.

    If you take out a Comprehensive policy, you can purchase additional cover up to a maximum of $5000 for your wedding dress for an additional fee. No depreciation applies to specified items.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  25. 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.

    As a pair of earrings are considered 1 item - if you lose one earring, the appropriate single item limit will apply. For example, if the pair of earrings are worth $500 and you lost one of the earrings, you would be able to claim up to a maximum of $250 for that earring. It is not possible to increase the cover on jewellery.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  26. Can I buy extra cover for my camera lense only?

    Yes, you can specify addtional cover for a camera lense.

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  27. What is Specified High Value Item Cover?

    Specified high value item cover allows you to pay an additional fee to increase the cover specifically for an item up to a maximum of $5000, and a total of $10 000 for all specified items combined.

    No depreciation is applied to specified high value items.

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  28. What is an unspecified item?

    Unspecified items are your belongings that are not specifically listed on your certificate of insurance, so the standard item limits and depreciation applies to these items.

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  29. How much are my hearing aids covered for?

    Hearing aids are covered up to $750 and are subject to depreciation.

    Note that a pair of hearing aids are considered 1 item, so if you lose just one hearing aid, the appropriate single item limit will be applied.

    If you take out a Comprehensive policy, you can specify additional cover up to a maximum of $5000 for your hearing aids for an additional fee. No depreciation is applied to specified items.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  30. Are drones covered under my policy?

    Yes, drones (including camera drones) are covered under the luggage and personal effects benefit for $750 and is subject to depreciation.

    If you take out a Comprehensive policy, you can specify additional cover up to a maximum of $5000 for your drone for an additional fee. No depreciation is applied to specified items.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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