luggage and personal effects 

• If I Drop My Phone Due To No-Ones Fault But My Own Will It Be Covered?

• 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.

• Can I Make More Than One Claim Under One Policy?

• Yes, however an excess may be applicable for each claim you are making. 

• If The Airline Loses My Luggage Will My Travel Insurance Replace The Items?

• 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.

• What Will You Accept As Proof Of Purchase?

• 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. 

• How Is Your Depreciation Weighted? 

• 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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