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Travel Insurance Direct

Travel Insurance for Luggage and Personal items

Travel Insurance for your Luggage

Unless you plan on shopping for everything you need overseas, chances are you’ll be taking luggage with you on your journey. From having enough clothing to get you through to your return home, to cameras or smart phones for snapping those memories along the way; Travel Insurance Direct plans can provide cover if your things are lost, stolen or damaged

Why should I consider travel insurance for my luggage?

Nothing beats travelling the world but, when moving around from A to B in unfamiliar surroundings, you may find a few luggage items have gone missing. Travel insurance can help take the sting out of replacing or repairing luggage items that have gone astray.

What's covered?

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.

The above is a summary of what is and isn't covered. Always refer to the PDS which outlines all the terms, conditions, exclusions and limitations that may apply. Feel free to contact us if you’re not sure.

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.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.


If you're taking some time to explore your own backyard, our Domestic plan protects you for trips within Australia. It can cover you for car hire excess, lost or stolen valuables and cancelled accommodation.

The Works

Our most popular plan, The Works offers broad cover for international trips including cover for costs such as unlimited medical expenses for up to 12 months and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? The Basics plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trips you can take during a 12 month period.

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

What cover is available for your stuff

What cover is available for your stuff

There are some conditions and exclusions with your luggage cover, so be sure to read up on all details
Additional cover for valuable items is available. Read this breakdown of the cover available for luggage and personal belongings with a TID policy.

Find out more
What to do if the airline loses your luggage?

What to do if the airline loses your luggage?

Here is a guide on what to do if the airline loses your luggage and you have a TID travel insurance policy

Find out more
What to do if your stuff is lost or stolen?

What to do if your stuff is lost or stolen?

It's a horrible feeling when something goes missing and before panic takes over, here is a guide on what actions you need to take before you make a claim.

Find out more