Cover for luggage and personal effects

Your luggage and personal effects (including items you buy along the way while they are accompanying you) are covered for loss, theft or damage up to $700 per item with a maximum benefit of $2,500 for a single policy or $5,000 for a family policy.

Laptops, notebooks, iPads, tablets, hand-held computers, video cameras and cameras are covered up to $1,500 per item. Mobile phones or any smartphones are covered up to $700 only.

Your sports and leisure equipment is also covered for accidental loss, theft or damage.

Cover for lost luggage

Your policy covers you to purchase essential items if the airline delays or permanently loses your luggage. This benefit is limited to $250 on a Single and $500 on a family plan for delays more than 12 hours. If the delay is more than 72 hours the benefit limit is $500 on a Single plan and $1000 on a family plan.


Applies to delays more than 12 hours and won't apply to the leg of your journey back home to Australia.
You will need to provide a Property Irregularity Report from the airline to support your claim.
No excess applies to claims for delayed luggage.

Cover for travel documents

Your policy covers you for reasonable additional travel costs to obtain a new passport or travel document when it has been lost, stolen or damaged. The maximum benefit is $2,000 and no excess applies to this benefit.

Conditions of cover for all Luggage and Personal effects

It is expected that you will do everything possible to safeguard your items of luggage and personal effects. Some examples would include:
  • Locking them securely inside a locker or cabinet; or
  • Leaving them in yours or your travelling party’s locked, private room; or
  • Not leaving them unsupervised in a public place; or
  • Not leaving them behind or walking away from them.

If your luggage is lost or stolen you must report it to someone. Stolen items should be reported to the police within 24 hours of you noticing the loss. If any items are lost or stolen in accommodation or on public transport, we expect you to also report this loss to a responsible person at the accommodation or transport company. We require a written report from whomever you report your loss to.

In the event of a claim, depreciation will apply to all items and you will need to supply receipts for each item you are claiming for.  A $100 excess will apply to each claim you submit for luggage and personal effects (except for delayed luggage and travel documents).

Exclusions to Luggage and Personal Effects

We will not cover any claims arising from:
  • Unsupervised luggage and personal effects;
  • A video camera, mobile phone, photographic equipment, personal computer or jewellery left unsupervised in a motor vehicle at any time;
  • Items left unsupervised in a motor vehicle or motor home between sunrise and sunset (local time) unless they have been taken from a locked boot or locked concealed luggage compartment and there are signs of forced entry;
  • Video camera, mobile phone, photographic equipment, personal computer or jewellery checked in and transported in the cargo hold of any carrier;
  • Loss, theft or damage to watercraft of any type (excluding surfboards)
  • Snow sports & leisure equipment over 3 years old is not covered for damage or breakage
  • Sport & leisure equipment is not covered for wear and tear including dents and scratches

Other exclusions and conditions apply to this section, so ensure you read Section 4 Luggage and Personal Effects and the General Exclusions.
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