Phones, Cameras and Laptops

Your luggage & personal effects are covered when they are stolen, permanently lost or accidentally damaged due to circumstances outside your control.

Phones

All phones, including iPhones and Android phones, are covered up to $700, so if your phone is more than $700 you can add it as a valuable item so it is listed on your policy for the original purchase price, up to $4,000 on The Works plan/ up to $2,000 on The Basics plan.

iPads, Tablets & Laptops

iPads, Tablets, Notebooks and Laptops are automatically covered up to $4,000 per item on The Works plan/up to $2,000 on The Basics plan

Cameras

Cameras, Digital Cameras, and Video Cameras are automatically covered up to $4,000 per item on The Works plan/up to $2,000 on The Basics plan. Cameras and lenses are treated as a single item.

If I have to claim, do you calculate depreciation?

Yes we do. If you have to claim for theft or damage to any of your personal effects, we will apply depreciation for age and wear.

You can avoid depreciation by specifically adding them as valuable items so that they are listed on your policy. Simply get a quote and look for extra cover for valuable items on the options page.

You will need to add the original purchase price of the item and the additional premium will be 4% of this amount. Ensure you have a receipt for the item showing the original purchase price, as depreciation may be applied if you don't have a receipt.

Is there a policy excess?

Yes there is. Luggage claims (including any valuable items you have specified on your policy) have a either a $200, $100 or nil excess depending on which you choose at time of purchasing your policy.You can choose to remove this policy excess on the options page when you buy your policy, which means no policy excess will be calculated if you have to make a claim.

You can't remove your policy excess after you have bought your policy.

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.

Full terms, conditions and exclusions are in the PDS.