I bought a Dell monitor in March using my Citi Rewards Platinum Visa.
While moving, I accidentally dropped the monitor and now it no longer works.
Does anyone know if Citi Rewards Platinum has insurance that covers this?
Citibank Platinum Rewards Insurance for Loss and Damaged Goods
talismansa on 30/09/2021 - 12:27
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In short, i don't think you're covered as you're outside the 90 day window unless you only received it in the last 90 days? although it is strangely worded as if it might only apply during overseas/domestic travel
Purchase Cover Insurance
WHAT WE COVER
If, within ninety (90) consecutive days of you taking
possession of a covered item where you have charged
the full purchase price to your card account, the
covered item is stolen, accidentally damaged or
permanently lost (except when: left in a vehicle; or
are valuables checked in to be transported in the
cargo hold of any aircraft, ship, train, tram or bus; or is
sporting equipment while in use) we will pay the lesser
of:
a] the original purchase price charged to your card
account; or
b] the limit per claim specified in Part C – Table of
Benefits in respect of jewellery, watches and new
works of art.
The most we will pay in any twelve (12) month period in
respect of any one card account is the maximum total
limit specified in Part C – Table of Benefits.
CONDITIONS
You must report the loss, theft or misplacement of a
covered item within 24 hours to the police or an office
of the bus line, airline, shipping line or rail authority you
were travelling on when the loss, theft or misplacement
occurred. You must provide us with evidence of making
the report and who you reported the loss, theft or
misplacement to.
If you are entitled to be reimbursed by the bus line,
airline, shipping line or rail authority you were travelling
on when the loss, theft, misplacement or damage
occurred we will deduct the amount you are entitled to
from any claim payable by us. However, if you are not
reimbursed the full amount of your loss, we will pay the
difference between the amount of your loss and what
you were reimbursed, up to the limit of your cover.
WHAT WE EXCLUDE
To the extent permitted by law, we will not pay a claim in
relation to your covered items (including valuables) if:
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a] the loss, theft or damage is to, or of, items left
behind in any hotel or motel room after you have
checked out, or items left behind in any aircraft, ship,
train, tram, taxi or bus;
b] the covered items were being sent unaccompanied
by you or under a freight contract;
c] the loss or damage arises from any process of
cleaning, repair or alteration;
d] the loss or damage arises from ordinary wear
and tear, deterioration, atmospheric or weather
conditions, insects, rodents or vermin;
e] the covered items disappear in circumstances that
cannot be explained to our reasonable satisfaction;
f] your claim arises from a government authority
confiscating, detaining or destroying anything;
g] the covered items were left unsupervised in a
public place;
h] the covered items have an electrical or mechanical
breakdown.Thanks. Looks like I'm gonna have to eat this one raw.
Some home & contents insurance also cover accidental damage, check if you have one, but excess may be high.
https://www1.citibank.com.au/contact-us