Luggage FAQs | Fast Cover

Luggage 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 $4,500 by buying Extra Cover. 

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

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

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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 journey and which are designed to be worn or carried about with you.

    This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment.

    However, it does not mean any cash, bank notes, currency notes, cheques, negotiable instruments, business samples or items that you intend to trade.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  4. What does 'Transaction Card' mean in the PDS?

    'Transaction Card' means a debit card, credit card or travel money card.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

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

    'Unsupervised' means leaving your luggage and personal effects:

    • with a person who is not named on your Certificate of Insurance or who is not a travelling companion or who is not a relative;
    • with a person who is named on your Certificate of Insurance or who is a travelling companion or who is a relative but who fails to keep your luggage and personal effects under close supervision; or
    • where they can be taken without your knowledge; or
    • at such a distance from you that you are unable to prevent them being taken. Unsupervised includes forgetting or misplacing items of your luggage and personal effects, leaving them behind or walking away from them.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

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

    Specified Luggage & Personal Effects Cover

    The maximum amount we will pay for all claims combined under Policy Section 11 (Luggage & Personal Effects) is shown under the Table of Benefits pages 14 to 20 of the PDS for the Plan you have selected.

    Additional cover can be purchased under Plans A, D, M, & S for specified items up to a total amount of $4,500 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 Policy Section 11.1(b) of the PDS will not apply to these specified items. Your nominated limit for 'Specified Luggage & Personal Effects Cover' will be shown on your Certificate of Insurance. Receipts and/or valuations must be provided in the event of a claim. This Additional Option is not available under Plans B or C.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  7. What does 'specified items' mean 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  8. What does 'unspecified items' mean in the PDS?

    '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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  9. What is covered under 'Travel documents, transaction cards and travellers cheques'?

    You only have this cover if you chose Plan A, B, M or S.

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

    We will pay:

    a) If any essential travel documents (including passports), transaction cards or travellers cheques are lost by you, stolen from you or destroyed during your journey, then we will pay the issuer's fees for the replacement costs (including communication costs) of the items lost, stolen or destroyed.

    b) If during your journey, your transaction card or travellers cheques are lost or stolen, then we will pay for any loss resulting from the fraudulent use of the transaction card or travellers cheques.

    We will not pay:

    a) To the extent permissible by law we will not pay if you do not report the loss or theft within 24 hours to the police and, in the case of transaction cards or travellers cheques, to the issuing bank or company in accordance with the conditions under which the transaction cards or travellers cheques were issued. You must prove that you made such report by providing us with a written statement from whosoever you reported it to.

    b) We will not pay for any amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction card or travellers cheques.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

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

    You only have this cover if you chose Plan A, M or S.

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

    We will pay:

    We will pay for cash, bank notes, currency notes, postal orders or money orders stolen from your person during your journey.

    We will not pay:

    a) To the extent permissible by law we will not pay if 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 can prove that you made a report by providing us with a written statement from whoever you reported it to.

    b) We will not pay if the cash, bank notes, currency notes, postal orders or money orders were not on your person at the time they were stolen.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

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

    You have this cover if you chose Plan A, B, D, M or S.

    PLEASE NOTE: for the purpose of this Policy Section 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:

    a) We will pay the repair cost or value of any luggage and personal effects which are stolen or accidentally damaged or are permanently lost.

    When calculating the amount payable we will apply depreciation due to age, wear and tear.

    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 journey.

    We will not pay more than the original purchase price of any item. We have the option to repair or replace the luggage and personal effects instead of paying you.

    The maximum amount we will pay for any item(i.e. the item limit) is:

    • $3,000 for personal computers, video recorders or cameras
    • $1,000 for mobile phones (including PDAs and any items with phone capabilities)
    • $750 for all other unspecified items.

    A pair or related set of items, 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;
    • a matching pair of earrings;

    are considered as only one item for the purpose of this insurance, and the appropriate single item limit will be applied.

    b) In addition to the limit shown in the Table of Benefits for this Policy Section, we will also pay up to a maximum of $4,500 (or such other lower amount which you have previously selected) for all items combined, that you have specified under 'Specified Luggage & Personal Effects Cover' and paid an additional premium for. The standard item limits shown in a) above do not apply to the specified items listed on your Certificate of Insurance.

    c) 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 concealed storage compartment, and forced entry must have been made.

    No cover applies if luggage and personal effects are left unattended in the passenger compartment of the motor vehicle, or if the luggage and personal effects have been left in the motor vehicle overnight.

    The most we will pay if your luggage and personal effects are stolen from the locked boot or from a concealed 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 'Specified Luggage & Personal Effects Cover'.

    We will not pay:

    We will not pay a claim in relation to your luggage and personal effects if:

    a) You do not report the loss, theft or misplacement 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.

    b) Your jewellery, mobile phone, camera, video camera, personal computer, computer equipment or their accessories are checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus, including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip.

    c) The loss, theft or damage is to, or of, bicycles except as provided under the Additional Option - Bicycle Pack and you have paid the additional premium for Bicycle Pack.

    d) The loss, theft or damage is to, or of, items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus.

    e) The loss, theft or damage is to, or of, watercraft of any type (other than surfboards).

    f) The loss, theft or damage is to, or of, snow sport equipment (however, refer to Policy Section 19 - Own Snow Sport Equipment of the PDS for more detail).

    g) The luggage and personal effects were being sent unaccompanied or under a freight contract.

    h) The loss or damage arises from any process of cleaning, repair or alteration.

    i) The loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.

    j) The luggage and personal effects were left unsupervised in a public place.

    k) The luggage and personal effects were left unattended in a motor vehicle, unless they were left in a concealed storage compartment of a locked motor vehicle.

    l) The luggage and personal effects were left overnight in a motor vehicle, even if they were left in a concealed storage compartment of a locked motor vehicle.

    m) The luggage and personal effects have an electrical or mechanical breakdown.

    n) The luggage and personal effects are fragile, brittle or an electronic component is broken or scratched - unless either:

    • it is the lens of spectacles, binoculars or photographic or video equipment; or
    • the breakage or scratch was caused by a crash involving a vehicle in which you are travelling.

    o) 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).

    p) The loss or damage is to, or of, sporting equipment while in use (including surfboards).

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  12. What is 'Luggage and personal effects delay expenses' cover?

    You only have this cover if you chose Plan A, M or S.

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

    We will pay:

    We will reimburse you if any items of your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 12 hours, and in our opinion it was reasonable for you to purchase essential items of clothing or other personal items.

    Your claim must contain written proof from the carrier who was responsible for your luggage and personal effects that they were delayed, misdirected or misplaced.

    We will deduct any amount we pay you under this Policy Section for any subsequent claim for lost luggage and personal effects (Policy Section 11 of the PDS).

    We will not pay:

    We will not pay if you are entitled to compensation from the bus line, air line, shipping line or rail authority you were travelling on for the relevant amount claimed.

    However, if you are not reimbursed the full amount, we will pay the difference between the amount of your expenses and what you were reimbursed, up to the limit of your cover.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  13. What is 'Travel delay expenses' cover?

    You only have this cover if you chose Plan A, D, M or S

    We will pay:

    We will reimburse the cost of your reasonable additional meals and accommodation expenses if a delay to your journey, for at least 6 hours, arises from circumstances outside your control.

    We will pay up to $200 at the end of the initial 6 hour period. In addition, we will pay up to $200 for each full 24 hour period that the delay continues beyond the initial 6 hour delay.

    We will not pay:

    We will not pay if a delay to your journey arises from any of the following reasons:

    a) the financial collapse of any transport, tour or accommodation provider;

    b) an act or threat of terrorism nor will we pay if:

    c) you can claim your additional meals and accommodation expenses from anyone else.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  14. What is 'Alternative transport expenses' cover?

    You only have this cover if you chose Plan A, D, M or S.

    We will pay:

    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, and that means you would not arrive on time.

    We will not pay:

    a) We will not pay if the cancellation, delay, shortening or diversion of your scheduled transport arises from the financial collapse of any transport, tour or accommodation provider.

    b) We will not pay if your claim arises from an act or threat of terrorism.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

Still have questions?

Ask us

Submit online

Call us

1300 409 322

Email us

info@fastcover.com.au

Travel Alerts

Before you purchase your policy and before you travel, read the latest travel alerts that may effect your travel.

Travel Guides

We’ve put together a series of country and city guides to help you with your travel plans.

Travel Suitcase

Be inspired and come along for the ride as we bring you the world before your experience it for yourself.

Need a hand?

1300 409 322
enquiries@fastcover.com.au
Fax: (02) 8252 4710

?