Luggage and Travel Documents
Section 5
- Loss, Theft Or Damage
If during the period of insurance your luggage or personal effects are lost, stolen or damaged we will replace, repair or pay you the value in cash of the luggage/ personal effects. It is our choice which of these we do. If we pay you the value in cash, we will deduct reasonable depreciation from the amount we pay you. If we replace, we will deduct reasonable depreciation from the amount we pay the supplier and the amount deducted must be paid by you to the supplier.
Our payment will not exceed the original purchase price of an item with a limit for any one item, set or pair of items including attached and unattached accessories of $500 on Plan I or $3,500 for camera and video camera equipment on Plan I or $3,000 for laptop computers on Plan I.
The limit can be increased by up to $4,500 per single item if the item is separately specified and the appropriate additional amount paid. For multiple items the overall increase in limits cannot exceed $7,000. - Travel Document Replacement
We will pay you for the cost of replacing travel documents and credit cards lost or stolen on the journey. We will also pay for your legal liability arising from their illegal use. You must however comply with all the conditions of the issue of the document prior to and after the loss or theft. - Automatic Re-instatement Of Sum Insured
In the event that a claimable loss, or damage to your luggage and personal effects is incurred, We will allow you one automatic re-instatement of the sum insured stated in the Plan selected whilst on your journey.
The maximum benefit limit for this section is:
Plan I: $12,000
We Will Not Pay For:
- Loss or theft which is not reported to the police or responsible transport provider within 24 hours. All reports must be confirmed in writing by the police or Transport Provider at the time of making the report.
- Items left unattended in any motor vehicle unless stored in the boot and forced entry is gained.
- Items left unattended in any motor vehicle overnight (even if in the boot).
- Jewellery, camera and video camera equipment, sound equipment, mobile telephones or laptop computer equipment left unattended in any motor vehicle at any time (even if in the boot).
- More than $2,000 in total for all items left unattended in any motor vehicle.
- More than $1,000 in total for all jewellery placed in the care of a transport provider.
- Items left unattended in a public place.
- Sporting equipment whilst in use.
- Items sent under the provisions of any freight contract or any luggage forwarded in advance or which is unaccompanied.
- Surfboards or waterborne craft of any description. This exclusion does not apply if the item is lost, stolen or damaged while in the custody of a transport provider.
- Damage to fragile or brittle articles unless caused by a fire or motor vehicle collision. This exclusion does not apply to spectacles, or to lenses in cameras, video cameras, laptop computers or binoculars.
- Damage caused by atmospheric or climatic conditions, wear and tear, vermin or any process of cleaning, repairing, restoring or alteration.
- Electrical or mechanical breakdown.
- Negotiable instruments or any items described in Section 7 Money.
