'Won't babysit your bags': Little-known insurance rule catching out travellers
You might think that if you've arranged the all essential travel insurance for your holiday, you'll be covered should anything bad happen - like having your luggage stolen.
But Aussies are complaining their claims are being denied over a little known insurance rule which could cost them thousands.
The clause states that items left 'unattended in a public place' such as a hotel lobby, beach, taxi or bus, may not be covered if they are lost or stolen.
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Aussies are complaining their claims are being denied over a little known insurance rule which could cost them thousands. Getty Images/iStockphoto
Aussies don't realise this, so when the worst happens and their claim is denied, they complain, according to Comparetravelinsurance.com.au.
"In insurance terms, 'unattended items' is just a fancy way of saying anything you've left out of your sight or out of reach - like that beach bag chilling on a pool lounger while you take a dip, the wallet you left at reception during your hotel checkout, or the backpack you left on the bus," Comparetravelinsurance.com.au, director Natalie Ball, said.
"Travel insurance is there to cover the unexpected, but it won't babysit your bags for you."
According to a survey done by the website, 59 per cent of respondents were unaware their belongings would not be covered when left unattended - even for just a few moments.
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Natalie advises travellers to be vigilant with their belongings, regardless of how safe their surroundings may appear.
"A little common sense goes a long way - even if it's just for a few minutes, leaving your things unattended in a public spot is an invitation for them to disappear," she said.
Natalie advises travellers to be vigilant with their belongings, regardless of how 'safe' their surroundings may appear. Getty
Rise in theft reports
In November 2024, DFAT's Consular State of Play revealed a 26 per cent increase in theft cases abroad, alongside a 31 per cent rise in lost passports and a 23 per cent jump in stolen passports.
Natalie said the surge in theft and lost items among travellers comes as no surprise considering rising travel numbers and economic uncertainties.
But she reminded Aussies when on holiday to keep belongings close by or store them in a safety box or locker at your hotel.
"If you're leaving them in a car, make sure they're tucked away in the boot or a locked compartment," she added.
"Just a heads up – high value items like jewellery and phones have item limits, so it pays to understand your cover".
Natalie says it is also essential to report any cases of theft to local authorities as soon possible
You may need the paperwork to claim.
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