How is your luggage covered?

Posted Date: 10 November 2016
Personal property videos

Taking your favourite gadgets on holiday will help keep you amused on those long flights, but what if something happens to them? We’ve put together a series of quick videos to answer some common questions.

How to make a claim

No matter how careful you are with your stuff, the unexpected can still happen. If you do need to make a claim, we want it to be an easy and smooth process. Here’s a quick guide to help you out.

How we cover high value personal items

If you’re taking expensive items with you, there are a few things you can do to make sure they’re covered. Here’s what is covered in the policy and what you can do if you want to cover expensive items that are over the limits noted in the policy.

Tips for taking care of your stuff overseas

We know you want to look after your stuff, so here are a few tips to keep in mind when you’re travelling. From where to keep your things to irreplaceable items, we’ve got answers to your questions.

What to do if your belongings are lost, stolen or damaged

If something does happen to your stuff while you’re on holiday, there are a few steps you should take straight away, to help with getting your claim processed quickly and easily. Here’s what to do.

There are a few other things you’ll want to consider when taking items on holiday with you:

Written reports

It’s important to get a written report if your stuff gets stolen, so make sure you go to the nearest police station or authority and obtain a written statement within 24 hours of the loss occurring. If you can’t get to the police station or relevant authorities immediately, try giving them a call, or visit their website for reporting options, or even email them.

Don’t forget your accommodation or tour provider can often help out too, by pointing you in the right direction of a police station, or even translating.

Keep it with you

We’ve mentioned keeping your electronic items with you in carry-on luggage when travelling, but the same applies for other valuables like jewellery, watches and travel documents.

If you’re not sure about whether you should keep an item in your carry-on, ask yourself if it would be hard to replace or if it’s a valuable item to you. If the answer is yes, keep it in your carry-on so you know it’s safe.

For full terms and conditions (including information on exclusions, excesses and sub-limits) please read the Product Disclosure Statement (PDS) including Policy Wording.

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TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. SCTI is a member of the Australian Financial Complaints Authority (AFCA). AFCA has replaced the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) schemes, so that consumers have access to a single External Dispute Resolution (EDR) scheme. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined FSG and PDS before buying this product, to ensure that our travel insurance product is right for you.

Our Combined FSG and PDS (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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