Luggage and Personal Effects

Nothing beats travelling the world but, when moving around from A to B in unfamiliar surroundings, we may find a few luggage items have gone missing. Travel Insurance Direct offers cover for your luggage and personal effects, on all plans, if they are stolen, accidentally lost or damaged on your trip.

Coverage available on the following plans:

Domestic Comprehensive Overseas Insurance (The Works) Budget Overseas Insurance (The Basics) Annual Multi-trip
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Coverage is included automatically however; sub-limits do apply and vary depending on the type of luggage item and chosen plan. You can check these sub-limits in the PDS applicable to your plan. 

Cover for valuable items

If your luggage items exceed the included sub-limits, you can purchase the ‘Specified items option’ when purchasing your policy. By specifying your high value items on the policy, you will also avoid having depreciation applied if you need to claim for those items.

 In the event of a claim, an excess will still apply to your valuable items unless you have paid to reduce your excess and we will ask you for proof such as a receipt to confirm your ownership and the value of the item entered.

Cover for sporting equipment

Cover is available for sporting equipment that is stolen, accidentally lost or damaged as per the policy terms however, there is no cover for sporting equipment when in use.

Keep in mind, snow sports equipment is only covered if you have selected the Snow sports cover option and paid the additional premium.

What's not covered

It is important to read the PDS for your chosen plan, as there are exclusions and limitations to the cover offered for luggage, including but not limited to:

  • Luggage and personal effects that you leave unattended.
  • Personal computers, smartphones, photography equipment, electronics, jewellery and watches left in a motor vehicle for any length of time, even when locked or checked in as luggage with a carrier.
  • Watercraft of any type (excluding theft of surfboards or damage to surfboards whilst in the custody of a carrier).
  • Sporting equipment when in use.

What information do i need to make a luggage claim?

If you need to make a luggage claim, please understand what we require if your gear is lost, stolen or damaged.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Last updated: 6 December 2021

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