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Benefit 14: Luggage and Personal Effects

This benefit provides cover for damage, loss or theft of Your own personal items which You take with You on Your Trip in the circumstances as explained below.

Unspecified items​

Your Luggage and personal effects which are covered as per the benefit limits below are referred to as Unspecified items. You do not need to declare Your Unspecified items.

Limits for Unspecified items​

The maximum We will pay for all Unspecified items combined depends on Your Policy as described in the Benefit Summary above. The maximum We will pay for any single Unspecified items or set is:

  • $3,000 for stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices);
  • $1,500 for mobile phones, satellite phones, and other portable communication equipment;
  • $1,000 for small mobile hand-held computers including tablet devices like iPads;
  • $750 for any other Unspecified items or set.

All Luggage and personal effects are considered Unspecified items unless You have chosen to declare the item or set as a Specified high value item. See Specified high value items section below.

Specified high value items​

Under this benefit, You have the option to declare and protect Your eligible Unspecified items by paying an additional premium to cover the items that You have chosen, subject to the limits below. These declared items are called Specified high value items and will be listed on Your Certificate of insurance.

Separately insuring Specified high value items does not affect the overall Luggage and personal effects limits for Your Policy, as this limit is for all Unspecified items and Specified high value items combined.

Limits for Specified high value items​

We will pay up to the cost price of the item, to the maximum limit of $5,000 for any single Specified high value item or set, provided the total of all Specified high value items does not exceed $10,000.

Jewellery, watches (other than Smart watches), fragile or brittle items, bicycles and watercraft (other than surfboards) cannot be declared as Specified high value items.

Important Cover Conditions

Cover under this benefit is subject to the following conditions:

  • You must take care to reasonably protect and secure Your Luggage and personal effects at all times. This means:
  • Where a claim is for the loss or theft of, or damage to, Luggage and personal effects, You must:
    • where it is reasonably possible, report the loss or theft as soon as practicable, but preferably 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 or theft occurred.
    • provide Us with a copy of the written report from the police or office of the bus line, airline, shipping line or rail authority You were travelling on.
  • If a claim relates to a mobile phone or device with phone capabilities, You must supply Us the IMEI (International Mobile Equipment Identity) number. You must also block the IMEI number with Your telecommunications provider.
We will pay
  • Up to the limits set out in the Benefit Summary above, if during Your Trip, You have complied with the conditions of cover listed above and an item of Your Luggage and personal effects is permanently Lost, stolen or accidentally damaged, We will pay You for (whichever is lesser):
    • the cost to repair the item, or
    • the cost to replace the item, or
    • the purchase price of the item less any Depreciation that applies.

The most We will pay if Your Luggage and personal effects are stolen from Your Unattended motor vehicle during daylight hours, provided You have complied with the conditions of cover, is $200 for each item, and $2,000 in total for all stolen items, even if You have purchased Specified high value item cover.

Subject to the item Sub limits set out in the Benefit Summary above, the most We will pay is the original purchase price of the item less any Depreciation that applies. Depreciation will be calculated as detailed under the heading Depreciation.

No Depreciation will be applied to Luggage and personal effects purchased duty free prior to Your departure, Luggage and personal effects purchased during Your Trip, or Specified high value items listed on Your Certificate of insurance.

Where an item is part of a pair or set, We will pay no more than the value of the Lost, damaged or stolen part, regardless of any special value that the item may have had as part of a pair or set.

A pair or related set of items are considered as only one item and the appropriate single item limit will be applied unless You separately insure each individual item as a Specified high value item. A pair or related set of items examples include, but is not limited to:

    • a camera, lenses (attached or not), tripod and accessories; or
    • a matching pair of earrings.
We will not pay
  • If You have not exercised reasonable care at all times for the safety and security of Your personal items. The level of care required is relative to the value of the item. The more expensive the item, the greater the level of care We expect You to take.
  • If You leave Your Luggage and personal effects Unsupervised or in a Public place.
  • If You leave Your Luggage and personal effects in any aircraft, Cruise ship, ferry, train, tram, taxi or bus, or in any accommodation after You have checked out.
  • If You have not taken all reasonable actions within Your power to recover Your Luggage and personal effects.
  • For the loss, theft or damage of jewellery, mobile phone, camera, video camera, Drone, tablet device, personal computer, computer equipment or their accessories that were transported in the cargo hold of any Carrier. This does not apply in the case of personal electronic devices transported by aircraft if You are instructed by the airline or relevant authority to check the devices in due to government regulation.
  • For the loss, theft or damage of jewellery, watches, mobile phones, cash, bank cards or travel documents not carried on Your person when using transport providers.
  • If Your jewellery, watches, mobile phones, camera, video camera, personal computer, tablet device, computer equipment, are Lost or stolen from Your accommodation where a safe or locker has been provided and You fail to use it.
  • For the loss, theft or damage to items left in an Unattended motor vehicle, unless the items are taken from a locked boot or a Locked storage compartment and were obscured from view, (including obscured from view if the cargo area of the vehicle is not concealed) between sunrise and sunset local time, and there is evidence of damage or forced entry which is confirmed by a police report.
  • If the Luggage and personal effects were left with a motorcycle, moped or scooter, even if they were obscured from view in the locked boot or Locked storage compartment.
  • If the Luggage and personal effects were being sent unaccompanied or by post, courier or under a freight contract.
  • If You do not report (when it is reasonably possible to do so) the loss, theft or misplacement of the Luggage and personal effects as soon as practicable, but preferably 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 prove that You made such report by providing Us with a written statement from whoever You reported it to.
  • If the loss relates to a mobile phone or device with phone capabilities and You are unable to supply the IMEI (International Mobile Equipment Identity) number. You are also required to block the IMEI number with Your telecommunications provider of the stolen or Lost mobile phone or device. We will not pay if the IMEI has not been blocked.
  • If the loss or damage is to, or of, sporting equipment (including bicycles and surfboards) while in use.
  • The loss, theft or damage is to or of bicycles unless You have purchased the optional Bicycle Cover and it is listed on the Certificate of insurance.
  • The loss, theft or damage is to household equipment, mobile phone prepaid minutes You have not used, mobile rental charges or payments, motor vehicles and accessories, or items of a perishable nature (meaning items that can decay or rot and will not last for long).
  • The loss, theft or damage is to watercraft of any type (other than surfboards).
  • The loss, theft or damage is to a Segway or a hovercraft.
  • The loss or damage Arises from any process of laundering, cleaning, repair or alteration.
  • The loss or damage Arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
  • The loss or damage Arises from an electrical or mechanical breakdown.
  • If the loss or damage is to, or of, fragile items made of glass or other brittle materials (such as glassware, chinaware, ceramics, pottery, etc) or is an electronic component which is broken or scratched, unless either:
    • it is the lens of spectacles, binoculars or photographic or video equipment; or
    • the breakage or scratch was caused by a crash involving a vehicle in which You were travelling.
  • You are entitled to be reimbursed by the bus line, airline, shipping line or rail authority You were travelling on when the loss, theft, or damage occurred. However, if You are not reimbursed the full amount of Your claim, We will pay the difference between the amount of Your loss and what You were reimbursed, up to the limit of Your cover (allowing for Depreciation due to age, wear and tear).
  • For more than the applicable limits set out in the Benefit Summary above.
  • For the loss, theft or damage to a Drone whilst in use, or confiscation of a Drone by authorities whether in use or not.
  • If the loss, theft or damage is to items that do not belong to You.
  • For negotiable instruments (such as cash (except as covered under the “theft of cash” section), gift cards, precious metals or securities).
  • For information stored on any electronic device or other media, including software.

Please also read General Exclusions that apply to all benefits.