Will avoid paying out on your claims

I will never buy Fast Cover Travel Insurance again. They rejected every claim. My new iPad screen cracked. They said it was wear and tear - Fast Travel said I couldn't claim. The wheel broke on my new luggage. They said it was wear and tear - Fast Travel said I couldn't claim.

My flights were cancelled multiple times when I was in Nepal. I was unable to make a claim because Fast Cover Travel required THE AIRLINE to provide a letter explaining the reasoning for the cancellation. After several attempts to procure the letter from the airline (with no luck), I tried to explain the situation to Fast Cover Travel - they didn't care. If I didn't have the letter, I couldn't make the claim.

Lastly, I lost/accidentally left my sunglasses on a bus. Couldn't claim. Here is the list of exclusions. Feel free to read through them. As far as I can see from the exclusions, it's impossible to claim on something you have lost.

a) when you do not leave your luggage and personal effects in a secure place; or
b) leaving your luggage and personal effects with a person you did not know prior to commencing your trip; or
c) leaving your luggage and personal effects with a person not named on your Certificate of Insurance or who is not a travelling companion; or
d) leaving your luggage and personal effects where they can be taken without your knowledge, including but not limited to on the beach, poolside while you swim, in the seat pocket of your plane seat and includes if you are asleep and your belongings are taken without you knowing; or
e) leaving your luggage and personal effects at such a distance from you that you are reasonably unable to prevent them from being taken; or
f) forgetting or misplacing your luggage and personal effects, leaving them behind or walking away from them.

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