Complimentary Mobile Phone Insurance

• Our complimentary mobile phone insurance covers you for accidental damage and theft up to a limit of $1,650 p.a. (with $1,000 per claim).
• Excess of $50 per claim.
• Simply pay your postpaid monthly mobile bill each month with your eligible MyCard to receive complimentary cover. Initial coverage begins on the first day of the calendar month following the first payment.
• Your cover will be suspended for the following month if you fail to make payment using the eligible MyCard.
• This insurance does not cover prepaid plans.

Eligibility criteria

To be eligible, you must:

• have a contract with a mobile phone provider.
• be on a monthly billing arrangement.
• pay your postpaid monthly mobile bill each month with your MyCard Prestige, Prestige Qantas, Premier, Premier Qantas, Rewards or Clear card account (this includes additional cardholders on the same account).

Please note, you are not eligible for mobile phone insurance if you have an irregular one-off payment or no ongoing agreement with your provider for a mobile service.

The following is not covered by our complimentary mobile phone insurance:

• Mobile phone accessories other than the standard battery and/or standard antenna provided by the manufacturer.
• Electrical, electronic or mechanical defects where there is no evidence of accidental damage.
• Tablets are not covered.
• Mobile phones that are lost.
• Losses caused by the process of cleaning, servicing, maintaining, adjusting, or you repairing the mobile phone.
• Mobile phones stolen from baggage unless hand-carried and under the eligible cardholder’s supervision or under the supervision of the eligible cardholder’s travelling companion who is previously known to the eligible cardholder.
• Accidental damage or theft resulting from your abuse, omission or negligence or the abuse, omission or negligence of anyone acting on Your behalf, including but not limited to leaving your mobile phone unattended in any place or motor vehicle where it is, or was, plainly visible.
• Cosmetic damage such as a dent or scratch to the mobile phone or accidental damage that does not impact the mobile phone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 5cm in length that does not prevent the ability to make or receive phone calls or to use other operations and functions of the mobile phone).
• Accidental damage or mobile phone theft resulting from abuse, intentional acts, fraud, risks of contraband, illegal activities, normal wear and tear, natural catastrophe, radioactive contamination, or damage from inherent product defects or vermin.
• Losses resulting from a failure of mobile phone due to a defect in materials and/or workmanship and/ or design, including but not limited to inherent product defects, software, or data failure.
• Accidental damage or theft resulting from mis-delivery or theft by fraud or deceit.
• Replacement mobile phone purchased from other than a mobile provider’s authorised retail or internet store.
• Any loss that does not occur within the Group Policy Period.

You may find the full list of exclusions in the MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions. (PDF, 202KB), opens in new window

You will need to include the following documents with your completed claim form to ensure faster claims processing:

• Completed and signed claim form.
• Copies of your eligible MyCard credit card statement reflecting your monthly postpaid mobile telephone payment was made the month prior to the date of accidental damage or theft.
• a copy of the eligible cardholder’s current mobile provider’s billing statement.
• If available, a copy of the original mobile phone purchase receipt or other sufficient proof of the mobile phone model currently linked to your account.
• If you have an existing insurance cover from your mobile provider, a copy of the insurance claim to them, or if the claim amount is less than your deductible, a copy of the policy’s declarations page.
• If your claim is for accidental damage, a copy of the repair memo, repair estimate and/or service report from an authorised repairer and photographs of the accidental damage may be requested. We may also require you to send in the damaged eligible mobile phone(s) at your expense, for further evaluation of your claim.
• For theft claims, an official copy of the police report may be requested as soon as reasonably practicable.

Please note, once you have submitted all the required documents, AIG’s claim team will contact you as soon as your claim has been considered.

How do I track my claim?

The AIG Claims team will keep you updated via email on the progress of your claim such as when the claim is registered, settled or denied, or if they need more information.

If you have any questions or want to follow up on the claim status you can contact the AIG Customer Service team between 8:30AM to 5:30PM, Monday to Friday on the following contact details:

Address: AIG Australia Limited, Level 19, 2 Park Street, Sydney, NSW 2000, Australia

Phone (within Australia): +61 3 9522 4111

Email: APAC.Mastercard@aig.com