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Trov isn’t your everyday contents insurance. It’s an app-based policy for individual items that you can switch on and off as needed.
You might use it as an insurance policy when moving house or travelling with valuables, or keep it on for lasting protection.
As of 1 September 2019, Trov On-Demand Protection is no longer available in Australia. You can head to the Trov website to find out more or compare a bunch of other home insurance companies with finder.
How Trov works
It’s based around the Trov app. Generally, it’s as simple as:
- Downloading the app
- Setting up your profile and payment details
- Taking a photo of the items you want covered, and switching on your protection
What happens when I switch protection on?
Whenever you switch your protection on, the items are automatically given a set protection period. This runs through the rest of the current month, and the entirety of the next month.
So if you switch it on at the start of the month, you get about two months of cover. Switch it on at the end of the month and you get about a month of cover.
If you don’t want cover for that long, you can switch it off before then to get that unused protection time refunded. If you don’t switch it off, or if your protection isn’t otherwise cancelled for some reason, then it will automatically renew on a monthly basis after the initial protection period ends.
What exactly am I covered for?
Items are insured against accidental damage, loss or theft, when not subject to any exclusions or other conditions.
Generally, you’re covered for the unexpected. This might be anything from accidentally dropping a phone (despite taking reasonable care) to theft, to losing your computer in a housefire.
How much are my items insured for?
Trov decides how much cover you’ll get, based on the type of item and its general condition. You can see how much protection it will get before you switch on cover.
This amount might change at renewal times, or if you turn your cover off and then on again later.
How much does it cost?
You set up your chosen payment details in the app, and then premiums are automatically deducted. When a claim is approved, you’ll also receive money in your chosen way.
The cost is based on a range of factors. Some of the most significant are:
- How much the item is insured for. More expensive things will naturally cost more to protect. The costs might change at renewal periods as the insured value of items changes.
- Your age and gender: This affects the statistical likelihood of a claim.
- Your address: A risk of flood, theft, storms and other hazards all vary by address.
- Item type: The category of item and its portability affect how at-risk it may be of different hazards.
- Your chosen excess: You can go for a lower excess at the cost of higher premiums, or a higher excess for lower premiums.
You’ll generally be refunded some amount whenever you switch off cover, assuming you haven’t made any claims. The refunded amount is any unused cover period, minus any nonrefundable government fees or charges.
So if you switch off cover a week before the end of the month, you might get refunded a week’s worth of cover.
An excess may also apply when you make claims.
How to make a claim
The steps depend on whether you’re claiming for repairs or damage, or a completely lost or destroyed item.
Your should first try to make claims though the Trov app. If that doesn’t work for any reason, email Trov at email@example.com instead.
During business hours, you can typically expect your claim to be reviewed in just a few minutes.
Claiming damage or repairs
- Get a quote for the necessary repairs
- If the quote is less than the item’s protected value you can go ahead with the repairs
- Upload the receipt for the repairs through the Trov app
- Once it’s reviewed and accepted, Trov will pay the cost of those repairs, minus any applicable excess.
Once it’s fixed, your cover is automatically reinstated and topped back up, at no extra cost.
- What if the cost of repairs is more than the protected amount? You can choose to get it fixed anyway, but will only receive up to the protected sum of the item minus any applicable excess. Your cover will not be topped up again afterwards.
Claiming total loss
Your claim will be paid if the item has been totally lost and is no longer in your possession.
If it’s because it was stolen, you will need to report the theft to police and keep details of:
- The date reported
- The police officer’s name
- The police station reported to
- The report number
If it’s because the item was destroyed or is beyond repair, you should keep it (or its pieces) for Trov to inspect on request.
When a claim for total loss is accepted, you will be paid the full protected amount, and a bit extra for any unused protection period if applicable.
Once the full protected amount is paid out, whether it’s because repairs cost more than that amount or because it was a total loss claim, your cover will end. Any replacement items will need to start from scratch with fresh cover.
What can I cover with Trov?
Currently Trov is only for electronics. Specifically:
- TVs and monitors
- Headphones and speakers
- Gaming equipment
But in the near future you can also look forward to covering appliances, sporting gear, musical equipment and more.
Conditions and exclusions
Your items will only be covered in Australia and New Zealand.
You are also required to:
- Stay up to date on payments. This will generally mean making sure your chosen account or card has adequate funds for a direct debit. If you’re behind on payments, then any claims paid by Trov might be reduced by the amount you’re behind on. If you fall too far behind, then your cover might be cancelled.
- Provide up to date information about yourself and your item. You need to be up front about pre-existing damage to items, and provide honest details about yourself as requested in the Trov profile information.
- Provide up to date information about events. You will need to provide timely information about events that could result in a claim. For example if you’ll be moving house and taking protected items with you.
You should not:
- Dispose of damaged parts or whole insured items without Trov’s consent, if you want to make a claim
- Carry out unauthorised repairs without Trov’s consent, unless you can’t contact it and need to make emergency repairs
- Accept payment from someone who admits fault for the loss or damage of a protected item
Items are not covered for:
- Failure to reasonably care for items, or to prevent loss, theft or damage.
- Wear and tear, chips, scratches, superficial cracks, rust, gradual deterioration, corrosion
- Corrupted, lost or damaged data
- Pre-existing damage, from before you took out protection
- Mechanical or electrical failure or breakdown, unless it’s caused by lightning
- Consequential losses
Must contact trov as soon as there’s event that could result in a claim
Make claims using the trov app,
If unable to access app, email trov at firstname.lastname@example.org
Where do I get Trov?
Just download the app.
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