Recommendations for travel insurance which covers unattended stolen goods [closed]
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I am an Australian citizen going interrailing in Serbia, Albania, Italy and Spain in a few days time.
I need to bring my laptop to be able to work and I feel very scared that it will be stolen, lost, or damaged somehow.
How should I go about covering myself for the following cases:
- My laptop is stolen while left unattended somewhere
- I accidentally leave my laptop somewhere and lose it
- My laptop gets damaged by water
Is there a good insurance provider that covers these types of things that anyone can recommend? I will only need the insurance for two months.
Thanks in advance :)
Best Answer
Is there a good insurance provider that covers these types of things
Unlikely. Almost all insurances will have an exclusion clause for "negligence" which the insurance will try to interpret extremely broadly and wouldn't cover any of your use cases.
A few things to consider instead
- The risk is much lower than you probably think. I've travelled 100s of times and my loss rate is extremely low. I have on occasion left an item behind but in almost all cases I was able to recover it or it was returned to me. Most people are nice !
- Use a cheap laptop for travel. If you just need maps, email, office etc, a cheap chrome book can do just fine. If that's gone, just buy another one. In general: don't take your most valuable possession when you are travelling.
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Does travel insurance cover theft?
Most comprehensive travel insurance policies (not basic, medical-only ones) include coverage for theft, loss or damage of your luggage and personal effects in a range of circumstances. These include: Many belongings that are lost, stolen or damaged, whilst they are accompanying you on your trip.Does travel insurance cover missing items?
Travel insurance can cover emergency medical expenses, cancelled trips and any stolen or lost items.What are the perils covered in travel insurance?
It covers financial loss due to many unforeseen events like theft, death, medical emergencies, loss of luggage, flight delay, etc. that one usually tends to overlook while planning the vacation or a trip.Can you get insurance on a checked bag?
When people purchase travel insurance, baggage insurance may cover checked luggage and the contents as well as their carry-on luggage and the contents within. Baggage insurance for carry-on bags is even more important because the airline is not required to reimburse people if something happens to them.Travel Insurance Tips: 7 Things to Know Before You Buy
More answers regarding recommendations for travel insurance which covers unattended stolen goods [closed]
Answer 2
Exact coverage of any given insurance is going to depend on the exact policy terms.
In general a policy is not going to give carte blanch coverage. If you put your laptop down on a park bench and wander away for a few hours, no policy will cover that. On the other hand if you leave your laptop in a locked hotel room and somebody breaks open the lock and steals it you are probably covered. Ask your broker.
If you are actually scared about the idea of your laptop being stolen I would not take it with you. Theft of your personal belongings on a trip like this isn't that common, but it's something you should take into consideration. Maybe you could buy a cheaper laptop for the trip and take that.
Answer 3
Insurance is designed to cover unexpected situations beyond the control of the ensured. So coverage for an unattended laptop in an unsecured location is extremely unlikely. They can cover an laptop that is in a secured location, even if unattended. For example, if you rent a locker to place you valuables, then even if the locker-rental service company waives responsibility for lost or stolen items, your own insurance could cover such situation.
Water damage will be covered by many insurance, when not caused by negligence. If something leaks over or the room floods, then that could be covered. Each insurance has it's own terms that you must examine closely.
You may already be covered those cases, excluding negligence. If you have home insurance, then they often insure a percentage of the insured value outside of the home. Otherwise, you have to shop around and ask questions from various insurance companies available to you.
Sources: Stack Exchange - This article follows the attribution requirements of Stack Exchange and is licensed under CC BY-SA 3.0.
Images: Andrew Neel, Daria Obymaha, Lina Kivaka, Pixabay