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DUTIES OF THE INSURED PERSON An Insured Person shall take all reasonable precautions for the safety and supervision of any insured luggage and personal effects. Leaving valuable items in sight in an unattended vehicle, or any items in a vehicle overnight, is not taking reasonable precautions (see also under the heading “Exclusions” below). All loss of, or damage to, insured luggage or personal effects attributable to theft or vandalism must be reported to the local police or other appropriate authority as soon as possible after the discovery of the loss, and a written acknowledgement of the report from the local police or authority must be obtained (see Item 4 under the heading “General Conditions for PAI and PEB”).

THE AMOUNTS PAYABLE The maximum amount We will pay for any one item, set or pair of items belonging to an Insured Person is $1,025. The maximum amount We will pay any one Insured Person for cover under this Section during the period of a rental is $2,025. The maximum amount We will pay for all claims for all Insured Persons during the period of a rental is $6,025.

BASIS OF SETTLEMENT We may choose to replace, repair, or pay for the loss in cash, after making allowance for depreciation, and wear and tear.

EXCESS The Excess payable under this Section shall be $25.

EXCLUSIONS In addition to the General Exclusions for PAI and PEB, We will not pay under this Section of the Policy for claims arising directly or indirectly out of:

  • 1.

    Luggage or Personal Effects not contained in the vehicle that is subject to the Rental Agreement.

  • 2.

    Electronic equipment, computers and the like not locked out of sight in the boot or glove box of the vehicle.

  • 3.

    Luggage or personal effects left unattended in an unlocked vehicle.

  • 4.

    Luggage or personal effects left overnight in any vehicle.

  • 5.

    Loss of or damage to automobiles, motors, motorcycles, bicycles, boats, other conveyances or their equipment, letters of credit, money, travellers cheques, bank or currency notes, credit or charge cards, vouchers, bonds, coupons, stamps, negotiable instruments, deeds, manuscripts, securities of any kind, bullion, stamps, tickets, books of account for documents, household effects, sales samples, merchandise for sale or exhibition, theatrical property, physicians or surgeons’ instruments, artificial teeth or limbs, animals.

  • 6.

    Loss of or damage to jewellery, precious stones, gold/silver, precious metal or furs.

  • 7.

    Loss or damage to sporting equipment where due to the use thereof.

  • 8.

    Breakage or damage to eye glasses, corneal lenses, glassware or other articles of a fragile nature unless caused by fire or theft or by the collision, derailment or overturning of the Avis Australia rental vehicle.

  • 9.

    Loss or damage arising from wear and tear, deterioration, atmospheric or climatic conditions, mould or fungus, insects, rodents, vermin, or any process of cleaning, ironing, pressing, repairing, restoring or alteration.

  • 10.

    Mechanical, electrical or hydraulic breakdown or derangement, loss of data or any consequential loss.

GENERAL EXCLUSIONS FOR PAI AND PEB This Policy does not apply to any Injury, Event, loss or damage arising directly or indirectly out of:

  • 1.

    Failure to comply with the provisions of the Rental Agreement.

  • 2.

    Intentional self-injury, suicide, or criminal or illegal act of the Insured Person who is the subject of the claim.

  • 3.

    War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.

  • 4.

    The intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act.

  • 5.

    Any Terrorist Act.

  • 6.

    Nuclear explosion including all effects thereof; or radioactive contamination caused by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste caused by the combustion and/or ongoing combustion of nuclear fuel; or the radioactive, toxic, explosive or other hazardous properties of any nuclear equipment or component thereof.

  • 7.

    Riot or civil commotion.

  • 8.

    Training for or participating as a professional in any sport.


  • 1.

    EFFECTIVE DATE OF INDIVIDUAL INSURANCE: The Insurance of any Insured Person will become effective on the commencing date of the Rental Agreement.

  • 2.

    INDIVIDUAL TERMINATIONS: The Insurance of any Insured Person will immediately terminate on the earliest of the following dates: (a) on the date the Rental Agreement ceases; or (b) on the premium due date if You fail to pay the required premium except as the result of inadvertent error.

  • 3.

    POLICY RENEWAL: This Policy may be renewed with Our consent from term to term, by payment of the premium in advance at Our premium rate in force at the time of renewal.

  • 4.


    • (a)

      Written Notice of Claim, proof of identity and, for PAI claims, supporting medical evidence in the form required by Us, must be given to Us within 30 days of the occurrence of any Event, loss or damage or as soon thereafter as is reasonably possible. Notice may be given at Our Office where the Policy was issued.

    • (b)

      After We receive notice of a claim We will provide the Insured Person(s) with Our usual claim forms for completion. The claim forms must be properly completed and all evidence required by Us shall be furnished in a timely manner at the expense of the Insured Person and be in such form and of such nature as We may require.

    • (c)

      For PAI claims, We may have the Insured Person medically examined at Our expense when and as often as We may reasonably require after a claim has been made, or arrange an autopsy unless this is illegal in the country in which the autopsy is to be performed.

    • (d)

      Amounts payable under this Policy will be paid as soon as We have investigated and verified the information supplied and satisfied Ourselves that the claim falls within the Policy.

    • (e)

      For PEB claims, it is a condition of payment that all loss or damage attributable to theft or vandalism be reported to the local police or appropriate authority as soon as possible after the discovery of the loss or damage, and a written acknowledgement of the report obtained.

5. AUSTRALIAN LAW This Policy is governed by the Laws of the Australian State or Territory it was issued in and any dispute or action in connection therewith shall be conducted and determined in Australia.

6. FRAUDULENT CLAIMS If any claim is in any respect fraudulent or if any fraudulent means or devices are used by You or the Insured Person or anyone acting on Your or the Insured Person’s behalf to obtain any benefit under this Policy, then any amount payable in respect of such claim shall be forfeited.

7. COMPLIANCE An Insured Person must follow Our advice or instruction otherwise We may decline to pay part or all of the Insured Person’s claim.

8. SUBROGATION We have the right to commence or take over legal proceedings in Your and/or the Insured Person’s name for the defence or settlement of any claim, or to sue or prosecute any other party to recover any monies payable by them at law. You and the Insured Person must co-operate with Us and do nothing to hinder Our rights.

9. CLAIM OFFSET There is no cover under this Policy for any loss or event or liability which is covered under any other insurance policy payable by any other source. We will however pay the difference between what is payable under the other insurance policy or such other source and what You would be otherwise entitled to recover under this Policy, where permissible under Law.

10. CURRENCY All amounts are shown in Australian dollars.

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