How To Make A Claim

Cover-More will respond to a claim within 10 working days of receipt of all necessary
documentation.
Should an event occur which might give rise to a claim you should:

• Visit www.covermore.com.au immediately.
  This will assist in ensuring you have all the necessary information and documentation to support your claim, such as:
  a) things you should do as soon as an event occurs.
  b) detailed instructions on how to submit a claim.
  c) online claim form/s.

Follow the instructions in Policy Condition (Claims). In particular you must:
a) report lost or stolen property to the police or responsible transport provider and obtain a written report.
b) phone the emergency assistance number as soon as physically possible if you are admitted to hospital or if you anticipate that any of your medical or related expenses are likely to exceed $4,000.

Should you require additional assistance you can contact Cover-More by:
Phone: 1300 36 26 44

(or from overseas +61 (2) 8907 5007)

Fax: +61 (2) 9202 8098 

How A Claim Payment Is Calculated

When we pay a claim we consider a number of aspects in calculating the amount.

These can include:

• the amount of loss or damage or liability;
• the excess;
• maximum benefit limits and sub-limits;
• reasonable depreciation; and
• the terms and conditions of the policy.
• The following example illustrates how we will calculate the amount payable for a claim:
• your new camera worth $250 is stolen from a hotel room.
• you are travelling on the International Plan IB.
• you have chosen the nil excess option.
• you have not paid an additional amount to increase the standard item limit.
  The amount payable following the claim would be calculated as follows:
• consider the value of the camera – $250 (No depreciation applies because the camera was new).
• consider the maximum benefit limit for Luggage and Travel Documents - $3,000.
• consider the maximum item limit payable for luggage items – $200. The maximum
• limit does apply in this case.
• as you have chosen the nil excess option, no excess is deducted. This results in
  an amount payable of $200.
  

The Amount You Pay Towards A Claim

You may be required to pay an amount in the event of a claim. This is called an excess. The amount of excess may vary depending on the travel plan chosen.
You may also have an option to choose from a range of excesses.
Your applicable excess level will be shown on your Certificate of Insurance.
In some circumstances we may require you to pay an additional excess for some medical conditions. We will inform you in writing if this excess applies. This is only a summary of how excesses will be applied. For full details please refer to the Policy Wording.

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If you have any questions please call Covermore on 1300 72 88 22