Useless policy if you want to claim for lost property

Cheap and easy to purchase (which in hindsight should have been an indicator that claiming would not be so straight forward!). I lost an expensive pair of sunglasses on a cruise and when I claimed for them it was such an arduous process with lots of documentation required and emailed questions which went on and on for over a month (making a claim for motor vehicle insurance is far easier). After jumping through all their hoops they rejected the claim on the basis that sunglasses are specifically excluded to be claimed as stated in their Product Disclosure Document. This is where the problem lies, you get this document after you purchase the policy and reading it on-line is near impossible. Also I made the mistake of assuming lost property includes any of your personal property, but once you read the exclusions, many common items you would take on a holiday are excluded. Anyway my bad for choosing a cheap policy and not reading the fine print. This is a bad policy compared to others if similar price which do include sunglasses as lost property. I won't be using Tick again.

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