Unsupervised Luggage & Personal Effects
When you're at home, you wouldn't leave your mobile phone on a table in a restaurant while you go to the counter to pay, would you? In some places in Australia it may still be there when you get back but chances are it won't. You need to be even more careful when you're away.
We often find that travellers will be trusting and leave their gear with a stranger or under a seat while they check a train timetable, pay a bill or leave their hostel room. However, the plans offered by Travel Insurance Direct don't cover any loss, theft or damage to items left unsupervised in a public place.
When you are staying in a hostel, dormitory or other similar share accommodation, you will need to lock your items in a locker where you are the only one with access to the key. If your room is accessible to people you don't know, then you should always lock your gear away. Unless you have a locked private room, don't leave anything on or under your bed and expect it to be there when you return. If you do and it is stolen, it won't be covered under the policy, as it is left unattended.
For a claim to be considered, there needs to be evidence of forced entry and you must provide us with documentation confirming you've reported it to the police, or the relevant officer if it happened on public transport. You should also make a report of any theft or damage to the accommodation provider so they can reach you if your property is turned in.
Loss, theft or damage to items left unsupervised in vehicles will only be covered if taken from a locked boot or locked concealed luggage compartment of a station wagon, hatchback, van or motor home during daylight hours and there is evidence of damage or forced entry into the vehicle. Items left in a vehicle outside of daylight hours will not be covered under the policy, even if the vehicle was locked. Video cameras, mobile telephones, photographic equipment, personal computers and jewellery are not covered if left in a motor vehicle at any time.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.
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