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An Australian travel insurance specialist has revealed how you can make sure your holiday insurance is in check so you can enjoy a drama-free break

por Remona Faust (2021-02-22)


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An Australian travel insurance specialist has revealed how you can make sure your holiday insurance is in check so you can enjoy a drama-free break.

According to Jonathan Etkind of He said common mistakes people make when buying insurance is not requesting extra cover for expensive items or assuming their insurer will foot the bill for self-inflicted injuries.

Mr Etkind has outlined seven things to be aware of when it comes to taking out insurance - and how to protect yourself when you're away. If you have expensive items like laptops or cameras, make sure these are with you at all times while travelling (stock image)1. Never leave your belongings unattendedIf you are travelling with valuable items, make sure these are with you at all times, or you have taken the precautionary measure of locking them in a hotel safe.Mr Etkind explained insurers won't honour a claim if items have been stolen or gone missing if they've been left unattended in public places.These include airports or hotel rooms after you've checked out.'As long as you carry your belongings with you, or they are locked in a safe at your accommodation, you can be reimbursed by your policy for items that are lost, stolen, or damaged during your trip,' he said.He said insurers will also deny a claim when you've left your belongings with someone who isn't travelling with you for more than 50 per cent of your trip. RELATED ARTICLES



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Keep all your receipts and travel details handyOne simple way to avoid travel insurance problems when making a claim is to ensure you keep all receipts for expenses, as well as itineraries and travel contacts.'The key thing is to ensure you keep a copy of anything that will verify that your lost, stolen or damaged possessions are yours,' Mr Etkind said.If you need to make a claim, your insurer will request proof of purchase, although it is likely you will be able to this once you have returned home.3.

Don't assume expensive items are automatically coveredItems such as phones, laptops, cameras and jewellery are not automatically covered by your insurer.Mr Etkind said these items are often excluded from standard or basic travel insurance policies or cover is capped at just a few hundred dollars.'However, each insurer has a maximum benefit or limit they will pay for high-value items, and some have the option of customising the sub-limit on each individual item,' he said.Mr Etkind said if you are travelling with anything extremely valuable, it would be better to insure this under a separate policy. One simple way to avoid travel insurance problems when making a claim is to ensure you keep all receipts for expenses, as well as itineraries and travel contacts (stock image)