Harlocks Pty Limited offer the most comprehensive Worldwide Multi-Risk (WWMR) insurance policy for Defence Members on long-term posting overseas.

Cover is for your personal effects against physical loss or damage anywhere in the world including the transit to and from your post under one policy. Further Medical and Emergency Repatriation Expenses is covered whilst on non-work or leisure related travels.

Personal liability is covered alleviating the requirement for purchasing �Renter Insurance� in some countries.

All insurance claims are handled and settled within our office and there is no excess on claims (the amount payable by you) our staff members have over 50 years experience administering this insurance scheme.

the only provider to maintain NO excess on claims (2006)

This Insurance covers your personal effects (except Motor Vehicles and Watercraft) against physical loss or damage anywhere in the World, including Transit, and including General Average and Salvage Contributions.

Please call our office on 02 6247 6233 to have our application package emailed to you.

We strongly recommend that Officers contact our office prior to completing the application form, our insurance representatives are authorised to compare and advise on this form of cover allowing you to make an informed decision.

A minimal overseas inventories submission could consist of your Carriers inventory list Air/Sea (as submitted e.g. Toll) and an accompanied items list (for items taken on the plane), For accompanied please list expensive items such as mobile phones, laptops, tablets, cameras, headphones etc and the total value of each suitcase including their contents (no need to break down).

After completing the application form, email or post it to our office along with your overseas inventories and payment. A receipts will be returned immediately in acknowledgement by way of email which can then be forwarded to claim your reimbursement.

Medical and Emergency Repatriation Expenses

Our World Wide Iinsurance policy now includes a new section which covers Medical and Emergency Repatriation Expenses whilst on non-work or leisure related travels.

This new extension means you will now be able to freely holiday around the world and all the important components of a travel insurance policy will be covered.

Specifically Personal effects, Liability, Medical and Repatriation Expenses will all be covered at no additional cost.

Claims

All claims are process and settled by our office. We require a completed claim form (either completed electronically or printed and scanned), together with a repair quotation or a repairer�s report for damaged items.

Claims may be submitted via email.

All monies will be deposited to your Australian bank account, with a copy of our correspondence to your bank.

Renewals

An expiry notice will be forwarded by way of email to the Insured one month prior to expiry date. You will be able to pay through our secure online website, and a receipt will be emailed immediately which you may submit to your post administration for reimbursement.

Application

Please call our office on 02 6247 6233 to obtain our application package via email

Please Read: Inventories - preparation, application and modification

When completing your application form, we recommend that you contact our office to discuss calculating sums insured and policy definitions. Additionally, we can assist with the submission of the required documentation and ensure that the lodgement process is completed promptly.

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