You must do everything reasonable to prevent a loss from occurring or, when a loss has occurred, from making the loss worse.
In the event of a claim you must:
(a) notify QBE promptly of a travel insurance claim and complete a QBE travel insurance claim form;
(b) give QBE any documents, letters or notices relating to a claim or possible claim, medical certificates, item they reasonably ask for. This will be at your expense;
(c) forward immediately any letters or documents you receive from anyone else relating to a potential claim;
(d) not make any promise or offer of payment, or admit fault to anyone, or become involved in any litigation in respect of an event that may result in a claim under this policy, without QBE's consent;
(e) in the event of a claim caused by any medical condition, obtain evidence from the treating doctor as soon as you are aware of signs or symptoms of the condition;
(f ) in cases of theft, damage or loss, report the matter to the police, transport provider, hotel or other authority within 24 hours and obtain a copy of that report; and
(g) report any loss or damage to your accompanying luggage in writing to the carrier within 3 days and send to QBE a property irregularity report, along with details of any settlement that they make in relation to the loss or damage. QBE may, at their expense, take proceedings in your name to recover compensation or enforce an indemnity against someone else in respect of a loss covered by this insurance in accordance with the law.
. QBE may refuse to pay a claim under this policy if you do not comply with any condition of this policy.
. QBE will not pay a claim if your claim is fraudulent.
. If anyone else is legally responsible for your illness, injury or death QBE may seek compensation from them to recover any costs they have paid or seek reimbursement from you if you receive any payment from any other source for these expenses.
Proof Of Loss
If you make a claim under your policyQBE will ask you for evidence of the circumstances which gave rise to the claim and proof that you have suffered a loss.
If you are claiming for loss of, or damage to any item QBE will ask you to provide:
. proof that you owned the item; and
. proof of its value and age.
Therefore you should keep all relevant receipts, accounts, valuations and police or medical reports.
QBE will not pay any claim when the only proof of ownership is
. a photograph; or
. a photocopy of any documentation; or
. a statutory declaration; or
. a copy of the user's manual downloaded from the internet.
If you cannot provide the evidence or proof that QBE ask for they may not pay you.
Paying The Claim
1. An excess may apply to a claim you make under this policy. The amount of the excess is shown on your Certificate of Insurance. Where applicable QBE will deduct the excess from any payment they make to you.
This excess will be reimbursed to you if QBE successfully recover an amount exceeding the amount of the excess.
2. Claims will be paid to you or your personal representative in Australian dollars on the basis of the exchange rate that applied at the time of the event that gave rise to the claim. QBE will not pay more than your actual loss.
3. You must tell QBE if you are entitled to claim an input tax credit at the time of making the claim. If you do not provide them with this information they may deduct up to 1/11th of the amount otherwise payable in settlement of your claim.
4. If QBE agree to pay a claim under your policy, this policy covers GST inclusive costs (up to the relevant travel plan limit). However, QBE will reduce any claim payment by any input tax credit you are or would be entitled to for the repair or replacement of insured property or for other things covered by the policy.
5. At the time you make a claim you must tell QBE if your entitlement to an input tax credit which you have told them
(a) is incorrect; or
(b) changes from what you have told them, when you extend or vary your policy.
Depreciation
The nominated depreciation rate will apply to each year of age up to a maximum of 80% of the original purchase price of that item.
10% Camping, sporting and leisure equipment (not leisure clothing), and musical instruments.
15% Clothing, footwear, personal effects, luggage, prescription glasses, sunglasses, costume jewellery and books.
20% Personal and or laptop computers, communication, photographic or electronic equipment , ipods, mobile phones, CDs and DVDs.
50% Toiletries including skin care, makeup, perfume, medication.
Items not listed above will also be subject to depreciation at QBE's discretion.
Obtaining a QBE Travel Insurance Claim Form
To obtain a QBE travel insurance claim form Click here or contact the Distributor or QBE.
You can help QBE to speed up the processing of your travel insurance claim by following the instructions on the claim form which will advise you of what documentation you need to provide to support your claim.
The completed QBE travel insurance claim form should be sent to:
QBE Travel Insurance PO Box 12090, Melbourne VIC 8006
Claims Enquiries: 1300 555 018 or (03) 8805 2777
Email: travel.claims@qbe.com
Claims Service Standard
QBE's claims service standard is to settle your travel insurance claims within 10 working days upon the receipt of a completed claim form and all necessary supporting information. If more information is required they will contact you within 10 working days.
However, before QBE cover you, you must:
(a) within 24 hours of becoming aware of the loss, notify the police or the responsible officer in the aircraft, vessel, train, or motor coach you are travelling in, or in the hotel in which you are staying and give QBE their written report of the incident when you make the claim;
(b) keep receipts for goods you buy separate from the goods themselves;
(c) keep any relevant ticket and luggage check and give them to QBE;
(d) provide QBE with evidence of the value and your ownership of the goods; and
(e) if a carrier loses or damages your accompanying luggage, report it in writing to the carrier within 3 days and send QBE written confirmation of the report along with details of any settlement that they make in relation to the loss or damage. |
