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.

Smartphones

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.

Personal computer, Cameras and video equipment

Laptops, notebooks, tablets, Cameras and Video Cameras are automatically covered up to $1,000 per item. 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 pay an additional premium. 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. When you buy your policy we will offer you to choose the excess you want to apply to your claims. We will let you know the applicable premium you have to pay and your excess will be shown on your Certificate of Insurance.

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.

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