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 Travel Insurance Direct policy doesn'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. 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 unsupervised.
For a claim to be considered, there needs to be evidence of forced entry which is substantiated by a police report obtained within 24 hours of discovering the theft. 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 between sunrise and sunset local time and there is evidence of damage or forced entry which is confirmed by a police report. Items left in a vehicle overnight 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 unsupervised in a motor vehicle at any time.
Full terms, conditions and exclusions are available in the PDS.
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