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No one wants to think about the possibility of being robbed or mugged while travelling overseas, but it's important to be prepared. In this article, we'll go over the steps you should take if it happens to you (touch wood!).
Step 1: Prioritise your safety 🚨
The most important thing after experiencing a robbery is your safety. Try to remain calm and find a safe, secure location away from danger.
Step 2: Document the incident 📷
Once you are safe, take a moment to take note of all the details related to the robbery. Note the location, time, and event as accurately as possible — these information are essential when you report the incident/ file an insurance claim.
Step 3: Notify your bank and credit card companies 💳
Contact your bank and credit card company immediately to cancel/ freeze your cards and prevent any unauthorised charges from happening. They can guide you on the steps needed to secure your financial accounts and issue replacements if needed.
Step 4: Contact your embassy/ consulate 🏢
Reach out to your country’s embassy in the host country. They might be able to provide assistance while you abroad; inform them about the incident and follow their instructions on your next steps.
Tip: Before travelling to your destination country, don't forget to look up the phone number for the Malaysian embassy in that country.
Step 5: File a police report 👮
Visit the nearest police station and file an official report about the robbery. Provide them with all the relevant details, including stole items, their approximate value, and any supporting evidence you may have, such as photographs/witness statements.
Do remember to request a copy of the police report for insurance purposes.
Step 7: Contact your travel insurance provider 🛡️
If you have travel insurance, get in touch with your provider as soon as possible. Inform them about the robbery, provide all the details and supporting documentation such as police report, and list of stolen items. Depending on your policy coverage, you may be able to receive some form of compensation.
With Oyen Travel Insurance, we can cover you up to RM1,000* for any robbery/theft of your personal money, and any fraudulent use of your card. Just make sure to report the incident to the police and card issuer within 24 hours!
Not only that, when you are an Oyen travel insurance customer, you can access to our 24/7 travel assist hotline that can help provide information in these situations.
Note that coverage is subject to exclusions, such as loss due to unattended belongings or compensation from your card provider. Be sure to read your policy's terms and conditions carefully.
🎈 Have a safe travel and have fun!
p/s: If you have questions about Oyen’s Travel Insurance plans, need more travel tips, or just have more questions about our Policy Wording, you can WhatsApp us at +601154211275 💬
*Policy terms and conditions apply.For the full policy coverage, please refer to Oyen Travel Insurance's policy wording.