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Luggage and Personal Effects

We understand that your luggage has both financial and sentimental value. That's why we offer different cover amounts for luggage and personal effects across our different policies. For full details, please read the Policy Wording.

What's covered?

✓  Stolen or lost items. We will pay the repair costs or value of any luggage and personal effects which are stolen, accidentally damaged or are permanently lost.

✓  Items left in a motor vehicle are only covered during daylight hours if they were left in a Concealed Storage Compartment of a locked motor vehicle, & forced entry was made. Please see the Policy Wording for full details on this point.

✓  Expensive items. If you are taking expensive items on your trip, you can increase your cover for an item up to $5000. Your items will not be depreciated if you apply for High Value Cover. 

Unless you have High Value Cover, we calculate the amount payable based on the depreciated value of an item due to age, wear and tear. The depreciated amount will be determined by Downunder Insurance.

Terms and conditions, limits and exclusions apply. Please see the Policy Wording for full details.

What's not covered?

✗ Unsupervised items. We will not pay if you the leave the items unsupervised in a public place.

✗ Unattended items. ‘Unattended’ means, but not limited to, when an item is not on your person at the time of loss, left with a person other than your relative or travelling companion, left in a position where it can be taken without your knowledge including on the beach or beside the pool when you swim, leaving it a distance where you are unable to prevent it from being unlawfully taken.

✗ Unreported incidents. Make sure you report the incident. We will not pay if you do not report the incident within 24 hours to the police/airline/bus line/ shipping line or rail authority.

✗ Incidents with no accompanying written statement. We will not pay if you cannot provide us with a written statement from whoever you reported it to.

✗ Unattended items in motor vehicle at night. If your items were left unattended in a motor vehicle during night-time hours. 

Terms and conditions, limits and exclusions apply. Please see the Policy Wording for full details.