There are some items that we do not cover, even as a specified item.
Items we do not cover include:
Aircraft, aerial devices (includes drones) or the parts of these
Motor vehicles, motor cycles, scooters, trailers, caravans, or parts of these
Watercraft or the parts of these
All eyewear, sunglasses, prescription glasses and contact lenses
Bonds, coupons, stamps, negotiable instruments, bullion, precious metals, deeds, manuscripts or securities of any kind, (or any transactions involving these).
Software or programmed data, downloaded files
The excerpt from the Policy Wording which applies follows, please ensure you read the complete Product Disclosure Statement (PDS), including Policy Wording before you purchase.
Losses We Do Not Cover Under Sections 6 & 7
We will not pay for any claims arising directly or indirectly from:
(a) The loss, theft or damage of personal items, cash, bank cards or travel documents:
- left Unattended in a Public Place; or
- left Unattended in a vehicle (including taxis); or
- from unlocked premises or an unlocked vehicle;
(b) The loss, theft or damage of jewellery, cash, bank cards or travel documents:
- not carried on Your person when using transport providers; or
- left in Your accommodation where a safe has been provided and You fail to use it; or
(c) Unaccompanied baggage, other items, cash, bank cards or travel documents sent by postal or courier service;
(d) Sporting equipment or bicycles damaged while in use;
(e) Bicycles unless locked with a secure bike chain;
(f) Software or programmed data, or the electrical or mechanical breakdown of any personal item;
(g) Household effects, breakage of glass, fragile or brittle items (except for photographic or video equipment, binoculars or spectacles), depreciation, moth, vermin, any process of cleaning, dyeing, repairing, restoring, wear and tear, leakage, gradual deterioration, atmospheric or climatic conditions, action of light or manufacturing defects;
(h) Bonds, coupons, stamps, negotiable instruments, bullion, precious metals, deeds, manuscripts or securities of any kind, or any transactions involving these;
(i) Devaluation of currency or shortages due to error or omission during monetary transactions;
(j) Fraudulent use of credit cards, bank cards or mobile phones;
(k) Any goods which are intended for sale or trade or as trade samples;
(l) Motor vehicles, motor cycles, scooters, trailers, caravans, watercraft, aircraft (or other aerial devices) or the parts of any of these.
(m) Laptops, personal computers, tablets, phones and cameras packed in checked luggage when using transport providers;
(n) Warranties, postage or insurance premiums paid on personal items;
(o) Personal items, cash, bank cards or travel documents that are owned by a person not named on Your Certificate of Insurance;
(p) All eyewear (including sunglasses, prescription sunglasses, contact lenses and prescription glasses) and related eyewear accessories;
(q) Watches unless worn on Your wrist or safely locked in Your place of residence.