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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. |
