We understand that your luggage has both financial and sentimental value. That is why we offer up to $15,000 luggage and personal effects cover under our Comprehensive travel insurance.
Unless you have High Value Cover, we calculate the amount payable based on the depreciated value of an item due to age, wear and tear. The depreciated amount will be determined by 1Cover.
Terms and conditions, limits and exclusions apply. Please see PDS for full details.
Terms and conditions, limits and exclusions apply. Please see PDS for full details.
Each claim is assessed on a case by case basis, and there may be a provision to claim for your phone. Please note that there is no cover available for damage to the screen nor for water (or any liquid) damage.
Yes, however an excess may be applicable for each claim you are making.
If 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, then you may not be covered.
However, if you are not reimbursed the full amount of your claim, there may be a provision to claim for the difference between the amount of your loss and what you were reimbursed. However, the amount you can claim for will be based on the limit of your cover and needs to allow for depreciation due to the age, wear and tear.
Please note that you need to obtain a written statement outlining what you have been reimbursed from an airline, bus line or rail authority before a claim is lodged with 1Cover.
See the PDS for full details.
With online claims we only ask for the documents we really need. So the best way to find out exactly what documents we do need in your specific circumstances is to start an online claim. Your answers to the questions we ask you about your claim determine what documents you'll need to provide.
In terms of determining ownership or proof that you purchased something, these are examples of what we may ask for:
- Receipts or invoices for non physical and physical purchases;
- proof of purchase/ownership certificates;
- documentation that confirms dates/locations (e.g. itinerary, ticket bookings, hotel confirmations);
- copies of credit card statements.
When calculating the amount payable we will apply depreciation due to age, wear and tear. The amount of such depreciation will be determined by our Claims team. 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.
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1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Directive. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by certain underwriters at Lloyd's, 1Cover's postal address is PO Box 6798, Baulkham Hills, NSW 2153, Australia.
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