Follow these esay tips and you will have a better chance of having your claim accepted by your insurer:
If your belongings are lost or stolen whilst travelling, you will need to obtain an official police report from a police station in the region where the incident took place. Without this official documentation your claim will not be valid.
You must lodge your claim within 30 days after returning from your trip. Any claims made after this time will be rejected.
Leaving personal items outside a bathroom stall, leaving a wallet on a shop counter or leaving your items alone on a pool lounger or on the beach while you go swimming are all considered as leaving your goods unattended and any stolen goods claims that occur because of these actions are likely to be denied.
For any lost or stolen goods claims, you will require proof of purchase for all of the items that you are claiming for.
If you travel to a destination that is not included in your cover, any claims made during that entire trip will be denied. This includes any transit or stopover destinations. Even if you are only stopping in a destination for a few hours, you should make sure that destination is covered by your policy, just in case something happens.
Be aware that most insurance policies have an excess; if you do not want to pay an excess fee at the time of claiming you will need to include an excess waiver in your policy and pay a higher premium. Read your Product Disclosure Statement thoroughly before you purchase a travel insurance policy to ensure that it matches the needs of your trip.