Hotel room safes offer no protection

Hotel room safes offer no protection

There are heaps of videos on YouTube showing just how easy it is to open a locked safe used in most hotels. At best they are designed to keep honest people out. The purpose of this email is just to warn you that one of the worst places in the world for theft out of locked hotel safes is Bali. Please think twice before leaving […]

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Update on Coronavirus

Update on Coronavirus

I do apologise for the increased number of posts this week, but there have been quite a lot of serious issues and a huge number of questions being asked to me. As the Coronavirus is top of the list for queries, with a lot of businesses already suffering as I predicted earlier this week, I thought it important to share this update that I received […]

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Coronavirus – what you need to know with the DFAT update

Coronavirus – what you need to know with the DFAT update

The Department of Foreign Affairs and Trade (DFAT) has now raised the level of travel advice for mainland China to ‘level 4 – do not travel’. With this increase it means that many travelers are able to claim under their travel insurance policies* if they are/were going to travel to China and elect to cancel their trip or other options that may be able to […]

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Coronavirus outbreak: travel insurance & business insurance.

Coronavirus outbreak: travel insurance & business insurance.

I have been fielding a lot of questions this week since the outbreak of Coronavirus from brokers and or insureds planning to travel to China over the next few months. I therefore start with Travel Insurance. Travel Insurance Like so many questions in general insurance I cannot provide a detailed answer without reading the individual policy. As a generalisation but I stress, please read the […]

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The risks of travel hit home with the events at White Island, New Zealand

The risks of travel hit home with the events at White Island, New Zealand

My heart naturally goes out to those involved, their families and the emergency service and medical personnel who are dealing with this horrific event where up to 11 Australian’s along with other nationalities may have lost their lives. Australian’s love to travel and per head of population we are up there as the most travelled. While the events in New Zealand are terrible it must […]

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Travel Insurance v Health Insurance

Travel Insurance v Health Insurance

There are a couple of areas that keep causing confusion in travel insurance. The first is the need to honestly disclose preexisting injuries and illnesses. A second is the need to report loss or theft to the police. I have written on each of these in the past. For example, here is a link to one on the need to report theft. The one I […]

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Bali ATM scam!

Bali ATM scam!

Yet another scam has developed in Bali where when you use an ATM machine at a mini-mart, the machine immediately swallows your card. When you go in and report it to the mini-mart operator, they advise you to enter your pin number and the card will be returned. You can imagine what happens, as soon as you enter your pin, all the money in the […]

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Avoid disappointment with your Travel Insurance

Avoid disappointment with your Travel Insurance

One of the services that LMI provide is a post claim audit review which is designed to reduce claim leakage, improve customer experience and determine if there are any improvements required in the policy coverage. Another service is that we review claims which have been denied. Under a number of claims which I have looked at personally while performing both of these services is claims […]

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A good news story on travel Insurance

A good news story on travel Insurance

I have two posts about travel insurance today. This one is a fun one that highlights the importance of reading the policy that I read from the Stuff site. Ms Donelan Andrews, a high school teacher living in Georgia, US. She purchased a travel policy through a travel insurer I have never heard of, called Tin Leg a subsidiary of Squaremouth. Unlike the vast majority […]

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Corollary to the earlier post on denied claim

Corollary to the earlier post on denied claim

Further to my post earlier this week about the Corporate Travel insurance claim that was not honoured, I learned from the broker following my post that he has cancelled all the policies he had with that travel insurer including a scheme for a professional body. As the claim was in fact insured by two policies, the amount that this insurer would have had to contribute […]

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