Claims for Savemore

If you need to make a claim under this policy, simply complete our claim form which you can download;

Claim Form A (pdf) - for claims relating to medical, additional expenses and cancellation.
Claim Form B (pdf) - for claims relating to luggage, rental car insurance excess and money.

and submit it within 60 days of the completion of your journey.

Cover-More will respond to a claim within 10 working days of receipt of all necessary documentation.

Should you require additional claims assistance you can contact Cover-More by:

Email: claims@covermore.com.au
Phone: 1300 36 26 44 (or +612 8907 5007)
Fax: +612 9202 8098

Lost or Stolen Luggage Claims

Report lost or stolen property to the police or responsible transport provider and obtain a written report within 24 hours.

Medical Claims

Phone the emergency assistance number as soon as physically possible if you are admitted to hospital or if you anticipate that your medical or related expenses are likely to exceed $4,000.

How A Claim Payment Is Calculated

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

These can include:

amount of loss or damage or liability;
excess;
maximum benefit limits and sub-limits;
reasonable depreciation; and
terms and conditions of the policy

The following example illustrates how we will calculate the amount payable for a claim:

Your new digital camera worth $500 is stolen from a hotel room.
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 digital camera – $500 (No depreciation applies because the video camera was new).
Consider the maximum benefit limit for Luggage and Travel Documents – $2,500.
Consider the maximum item limit payable for luggage items – $250. The maximum item 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 $250

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. You may also have an option to choose from a range of excesses to vary the premium. 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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