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| Lost
documents |
| Think ahead. Leave a
photocopy of your passport and tickets with someone at home,
and carry another copy in your luggage. That way, if you
lose your passport or tickets it’s much easier to replace
them. |
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| Your
state of health |
| If you have what the
insurers call an "existing medical condition", it
doesn’t mean that you can’t get travel insurance. Ask
for a Traveller’s Appraisal Form, which you must complete
and submit to the insurer. Sometimes an additional premium
payment will be required. |
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| If you
have to rush home |
| Some insurers will pay for
you to resume your holiday if you have to return to
Australia because someone close – usually a relative –
has become seriously ill. However, if you are aware of any
conditions that may cause this to happen, you should tell
your insurer when you take out the policy. |
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| What’s
in your luggage? |
| Read the luggage section of
your policy very carefully. You will find that individual
item limits apply and these will be observed by the insurer. |
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| Keep
your valuables secure at all times |
| While you are travelling,
keep your valuable items – laptop, cameras, and jewellery
– with you. Don’t expect your insurer to be happy if you
lost your luggage unattended in a public place, or in a
motor vehicle overnight.
Mobile phones, cameras,
sound systems and computers are highly prized. So don’t
leave them in a vehicle at any time. Remember that rental
cars are normally identified through signs or registration
plates, which makes them a hot target for thieves.
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| Don’t
trust strangers to look after your gear for you |
| In one recent case, a
claimant tried to convince his insurer – unsuccessfully
– that leaving his luggage in a New York taxi while he
dashed into a shop was a perfectly reasonable thing to do. |
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| Keep
receipts for any claimable items that you buy |
| Keep receipts separate from
the goods you buy while travelling. |
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| Report
losses to local police |
| If you have anything stolen,
report it to the local police immediately and get a copy of
their report. It’s vital when you come to make a claim. |
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| You
can’t claim for cash |
| Insurers don’t normally
compensate you for losing cash. Use your credit cards and
travellers cheques whenever possible, and limit the amount
of cash you carry. |
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| Are you
licensed? |
| Don’t drive a motorcycle
overseas unless you have a valid international licence. And
while you’re at it, wear a helmet, even if local laws
don’t require it. That’s the best form of insurance
there is. |
