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

    The maximum amount we will pay for all claims combined under Benefit 14 (Luggage & Personal Effects) is shown under the Benefit Summary section of the PDS for the Policy you have selected.

    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) up to a total amount of $10,000 by paying an additional premium.

    • You cannot purchase increased cover for jewellery or snow sport equipment. There is no cover for watercraft (other than surfboards) or bicycles (unless you purchase the Bicycle Pack) under the policy. These items must not be specified and cover will not be provided for them.

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

     

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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:

    • The repair cost or value of any Luggage and Personal Effects which are stolen or accidentally damaged or permanently lost during Your Trip.

      When calculating the amount payable We will apply depreciation due to age, wear and tear for each item. The amount of such depreciation will be determined by Us. No depreciation will be applied to goods purchased duty free prior to Your departure or goods purchased during Your Trip.

      We will not pay more than the original purchase price of any item. It is the decision of our claims department to repair or replace damaged/lost/stolen item or to cash settle the claim, whichever is the lesser.

      The maximum amounts We will pay for any item (item limit) are:
      • $3,000 for personal computers, video recorders or cameras;
      • $1,000 for mobile phones, smart phones, satellite phones, and other portable communication equipment;
      • $1,000 for small mobile hand-held computers including tablet devices like iPads;
      • $750 for all other Unspecified Items.

    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:

    • a camera, lenses (attached or not), tripod and accessories;
    • a matched or unmatched set of golf clubs, golf bag and buggy; or
    • a matching pair of earrings.
    • In addition to the limit shown in the “Benefit Summary” for this Benefit, We will also pay up to a maximum of $10,000 (or such other lower amount which You have previously selected) for all items combined, that You have specified under “High Value Item Cover” and paid an additional premium for those Specified Items. The standard item limits shown in Policy Benefit 11 does not apply to the High Value Items listed on Your Certificate of Insurance.
    • Luggage and personal effects left in a motor vehicle are only covered during daylight hours and must have been locked in the boot or in a locked storage compartment, and forced entry must have been made which is confirmed by a police report.

      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 unoccupied motor vehicle during daylight hours is $200 for each item, and $2,000 in total for all stolen items, even if You have purchased “High Value Item Cover”.
    • Cover is limited $5,000 for the Standard Saver Policy; $10,000 for the Comprehensive, Snow Sports Plus & Frequent Traveller Saver Policies; $7,500 for the Domestic Policy. If you have purchased this option on the Basics Policy cover is limited $2,000.

    We will not pay:

    • The Luggage and Personal Effects were left Unsupervised in a Public Place.
    • The Luggage and Personal Effects were left unattended during the daylight hours in a motor vehicle, unless they were locked in the boot or in a Locked Storage Compartment.
    • 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, ship, train, tram, taxi or bus or Rental Vehicle.
    • The Luggage and Personal Effects were left overnight in a motor vehicle, even if they were locked in the boot or in a Locked Storage Compartment.
    • The Luggage and Personal Effects were left with a Motorcycle. This includes in locked compartments.
    • The Luggage and Personal Effects were being sent unaccompanied or by post, courier or under a freight contract.
    • 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.
    • Your jewellery, mobile phone, camera, video camera, personal computer, computer equipment or their accessories are transported in the cargo hold of any aircraft, ship, train, tram or bus.
    • It 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.
    • 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 and bicycle accessories, sunglasses, spectacles, 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 Luggage and Personal Effects have an electrical or mechanical breakdown.
    • The Luggage and Personal Effects are fragile, brittle or an electronic component is broken or scratched was caused by a crash involving a vehicle in which You are 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, misplacement 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).
    • Your claim relates to an item You have claimed TRS (Tourist Refund Scheme).

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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 theGeneral Exclusions that apply to all benefits in the PDS.

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