求教关于相机保险报赔的问题

Shutong

大家好，昨晚回到家太累了没注意，把相机包落在了车上，包里面有一台大马三和四个L头还有闪光灯啊加上一些配件啊什么的。而且还把刚拍的片子给弄没了... 实在是屋漏偏逢连夜雨。


我的车子只有第三者保险，没有全险，所以不赔。
倒是我的vero student safe保险有cover个人物品，但是每个物品不能超过2500nzd。
这里是详细条款：
                                                                                                                                                [size=9.000000pt]Please note: In regard to section 2(1), the maximum amountwe will pay for any one item, set or pair of items is $2,500unless the item, set or pair of items is specified on the PolicyCertificate and the additional premium has been paid.Please note that the limit for any specified item, set or pair ofitems is $5,000 with a maximum for all specified items of$30,000. In the event of a claim you must be able to supportyour claim with receipts or valuations. All item limits includeany attached or unattached accessories.
                               
                       
               


现在我的问题是，如果我器材的发票是分开的话，镜头们算不算是机身的accessories？如果算的话，我真的就亏大了，因为总共也只能赔个2500。如果是分开算成不同的items的话，还不至于损失太多。


有没有有索赔经验的朋友们呢？真的谢谢大家了。

经验惨痛，真的要提醒大家一句：千万别把器材留在车上...

justiny520

被偷啦？ 保管不善 不赔

STEVFAN

首先，仔細讀一下你的保險細則，如果如果你的東西放在車裡over night, 很有可能被拒賠。

第二，如果你在購買保險的時候，你沒有告訴保險公司你有相機之類的東西，保險公司也會拒賠。

STEVFAN

CONDITIONS
It is a condition precedent to payment of any claim under this Section that:
a. all losses including damage attributable to theft or vandalism be reported to the local police or appropriate
authority within 24 hours after the discovery of the loss and a written acknowledgement of the report
obtained;
b. any loss or damage to personal baggage whilst in the custody of the carriers (e.g. an airline or bus company)
must be notified to them immediately and a property irregularity report obtained;
c. any loss of credit cards, traveller’s cheques or travel documents must be reported as soon as possible to the
issuing authority and the appropriate cancellation measures taken;
d. you must take all reasonable precautions for the packing, safety and supervision of any item(s) including
Portable Computers, portable electronic property, personal effects, travel documents, money and credit
cards;
e. you must not leave any item(s) unlocked or unattended in a Public Place or in any unlocked and unattended
building or vehicle at any time, nor in a vehicle overnight;
f. you must secure Portable Computers and portable electronic property in a locked premise, safe or
strongroom or out of sight in a locked vehicle and carry such items as personal hand luggage when
travelling.

Randy@NZ

STEVFAN 发表于 2013-9-2 20:18
首先，仔細讀一下你的保險細則，如果如果你的東西放在車裡over night, 很有可能被拒賠。

第二，如果你在 ...

overnight不赔倒是有可能,学生保险买的时候保险公司啥情况都不知道