The totally off-topic thread

[TheRealTMA]

Yes but rarely does insurance cover new for old unless specifically stated. Usually its depreciated value, ie car.

Especially as she cant produce any receipts for any of her damaged items. I feel for her, shes the victim but shes not going to get $3K.

Unless she paid cash, surely she would have the CC receipts or at least the CC statements showing the purchases?

 

[Denali]

Unless she paid cash, surely she would have the CC receipts or at least the CC statements showing the purchases?

Someone like my husband yes. He has years of receipts and statements. Me, laptop yes but everything else, no.

She's in the right, her items where destroyed by handlers negligence so QF should offer some compensation.

 

[MEL_Traveller]

She's in the right, her items where destroyed by handlers negligence so QF should offer some compensation.

And... why should everyone's home and contents premiums rise to cover the costs of a mistake by a third party? The party suffering loss should also not be out of pocket. Maybe you can buy a second-hand like-for-like laptop. But all the rest of the stuff should be replaced new for old. You can't buy used cosmetics.

 

[Bindibuys]

Such a beautiful night last night before the cold wind hit. We were outside getting fire wood ready for the weekend. First fire for the season now burning away to heat my home.
Bit busy in the skies above though......

 

[Denali]

Sometimes I see planes overhead and Im wondering whats happening at the airport as they seem too low, too many or too big (380 once flew over that had me go outside and look) so I check the BOM for weather conditions.

In the morning, about 5.50am-6am, I see quite a few planes from my kitchen window, just waiting for curfew to finish.

 

[Denali]

New workplace training - will add to my "Active Shooter. Run, Hide, Fight" training.

 

[Flying mermaid]

Most household contents policies cover items temporary removed from the premises, but of course depends on the specific T&Cs.

Mine only covers contents in the house but you can add a “portable”. options for a fee which covers contents in Aus and NZ.

 

[Flying mermaid]

I don't understand the airline's position on this.

Sure, if it was normal handling, items not supposed to be in baggage shouldn't be covered for damage.

But if you drop the bag and run over it - as is suspected here - that goes way outside the normal handling and the airline should be responsible.

Ordinarily companies can't exclude negligence when it comes to trying to evade liability.

Qantas seem to work on the principle of deny everything and then “reach out” when the PR gets bad. It was the same with the woman they burnt with spilling hot liquids over her. Nothing done until it was in the media and then they covered her expenses.

 

[JohnK]

Most household contents policies cover items temporary removed from the premises, but of course depends on the specific T&Cs.

I'll check the Suncorp policy but don't think that's the case.

 

[Denali]

We have some personal property insurance items for when off site from the house dwelling.

 

[Pushka]

I know we have portables insurance outside our home.

 

[RB]

Insurance policies get criticised as being too complex but some of the discussion on here in the last couple of days shows why there has to be detail. Also note wordings DO vary between insurers. I have cut this section from the Budget Direct wording re "Temporarily Removed".
10. Contents temporarily removed from the insured address when we insure your contents. When your contents are insured, we will cover them for loss or damage caused by an insured event when you are temporarily residing in:
a motel or hotel room
a holiday apartment
another home
a hospital or nursing home
a residential club
the fully enclosed living quarters
of an educational institution.
The most we will pay for any loss or damage caused by an insured event is caused by an insured event is shown in Part B

Also
We will not pay for:contents outside Australia theft when there is no forced entry into the building, room or apartment where the contents are located contents temporarily removed from the insured address for more than 90 days cash, cheques, or any other negotiable financial documents computers including laptops, electronic tablets and personal digital assistants (PDAs) mobile phones including smart phones, portable car phones and their accessories contents that are located at a furniture repository or any type of storage facility.

Simplified insured events are-fire, explosion, theft or attempted theft, malicious damage/vandalism/riot or civil commotion, accidental breakage of particular glass, storm& rainwater, lightning, earthquake, sudden & unexpected escape of liquid at insured address (restrictions), impact at the home (restricted),

 

[JohnK]

Sugar free Creaming Soda. Yum.

Creaming Soda was my favourite drink for many years until the weight issues. I didn't realise there was a sugar free version. Tastes almost the same as the original.

 

[love_the_life]

Insurance policies get criticised as being too complex but some of the discussion on here in the last couple of days shows why there has to be detail. Also note wordings DO vary between insurers. I have cut this section from the Budget Direct wording re "Temporarily Removed".
10. Contents temporarily removed from the insured address when we insure your contents. When your contents are insured, we will cover them for loss or damage caused by an insured event when you are temporarily residing in:
a motel or hotel room
a holiday apartment
another home
a hospital or nursing home
a residential club
the fully enclosed living quarters
of an educational institution.
The most we will pay for any loss or damage caused by an insured event is caused by an insured event is shown in Part B

Also
We will not pay for:contents outside Australia theft when there is no forced entry into the building, room or apartment where the contents are located contents temporarily removed from the insured address for more than 90 days cash, cheques, or any other negotiable financial documents computers including laptops, electronic tablets and personal digital assistants (PDAs) mobile phones including smart phones, portable car phones and their accessories contents that are located at a furniture repository or any type of storage facility.

Simplified insured events are-fire, explosion, theft or attempted theft, malicious damage/vandalism/riot or civil commotion, accidental breakage of particular glass, storm& rainwater, lightning, earthquake, sudden & unexpected escape of liquid at insured address (restrictions), impact at the home (restricted),

So while the insurance policy above covers goods temporarily removed, it does not seem to cover them whilst in transit.

 

[Katie]

Thanks! How was being in the wharf area? I read some reviews on the nearby Doubletree and some are complaining about the location.

We had no issues. We were only there for two nights, and didn't spend much time in the apartments. Our apartment faced towards the Doubletree, and there was a bit of train noise, until you shut the shutters. The Doubletree is over the other side of the train tracks; not really that close to where the ships are docking.

 

[Flying mermaid]

I went and read my policy document in full (nice waste of 1/2 hour ). So my general contents (not jewellery etc), is covered for up to 60 days in Australia in a building. So definitely not in transit, unless I take the portable insurance at an extra cost. This is with NRMA.

 

[love_the_life]

I went and read my policy document in full (nice waste of 1/2 hour ). So my general contents (not jewellery etc), is covered for up to 60 days in Australia in a building. So definitely not in transit, unless I take the portable insurance at an extra cost. This is with NRMA.

We have APIA and like you I checked; normal contents are not covered whilst actually in transit. Maybe that means we always need travel insurance even for a weekend away. Used to have yearly TA policy but haven't had it for a few years now. I would've thought it would cover something like this.

 

[docjames]

Just saw two FA-18s (looked like FA-18s) flying past at low level just off Gold Coast.

 

[RB]

I went and read my policy document in full (nice waste of 1/2 hour ). So my general contents (not jewellery etc), is covered for up to 60 days in Australia in a building. So definitely not in transit, unless I take the portable insurance at an extra cost. This is with NRMA.

I think you may have been speed reading if you interpreted everything in 1/2 hr.-looks like 100 pages in the PDS.

 

[Flying mermaid]

I think you may have been speed reading if you interpreted everything in 1/2 hr.-looks like 100 pages in the PDS.

I do read fast and I was flicking over the gumpf and reading the real bits and that was only about 50 pages - Most of the rest was add ons and making claims so I skimmed that.

Edit - I am also very used to technical documents - 30 years of reading public service RFTs and contracts does that