Don't buy with TID.

I lost my $500 glasses while travelling overseas. I made a claim, 2 weeks later when enquiring about the progress of my claim, they informed me that my claim has been approved but my glasses had a depreciated by a whopping 60%! After paying the $100 excess, I received $103. TID noted that PDS clearly states depreciation will be calculated at "rates reasonably determined by us". I tried to lodge an appeal, but after the appeal, they said that after a "thorough review" the 60% depreciation stands.

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