Device ban update: Which travel insurance brands will cover your checked devices?
Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for border closures
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
1Cover will cover your laptop if you're forced to check it.
Australian insurer 1Cover has announced it will cover any electronic devices transported in the cargo hold if a passenger is forced to stow the item due to new airline regulations.
"We’re pleased to be the first travel insurance provider to take this positive action. Hopefully, this will set the precedence for other insurers," 1Cover Travel Insurance COO Richard Warburton said.
Last week both the UK and US governments issued a ban on people boarding flights with laptops or personal electronic devices (PEDs) from some Middle Eastern countries. This means anyone taking a flight from one of these nations would need to stow their PED in their checked luggage.
This ruling created concern among people travelling to the area, especially for business, as it's a commonly held truth that travel insurance won't cover electronic devices damaged in checked luggage.
However, finder spoke with Fast Cover CEO Dean Van Es, who said that your insurance should cover you.
He said Section 54 of the Insurance Contracts Act lists circumstances where insurers can't refute claims.
"There seems to be differing opinions amongst insurers, but it's our understanding that travel insurance should provide cover if the airline forces you to check-in devices such as laptops or tablets," Van Es said.Fast Cover's policies also provide cover for Australians whose travel plans are affected by the device ban.
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