Travel Insurance for Luggage and Personal items
Travel Insurance for your luggage and valuables
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 personal belongings 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.
Why travel insurance is important for luggage and personal effects
Travel insurance protection against loss and theft
Luggage can get lost or stolen during transit, especially during flights with multiple connections. Personal items such as cameras, smartphones, and laptops are common targets for theft.
Travel insurance cover for damaged items
Accidents happen, and items like electronics, clothing, sports gear and equipment, and souvenirs can be damaged during travel. TID travel insurance offers cover for the repair or replacement costs of these items.
Reimbursement for essential purchases
If your luggage is delayed, travel insurance may reimburse you for essential items you need to purchase, such as clothes and toiletries.
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.
Types of baggage and items covered by travel insurance
- Checked luggage: Suitcases and bags checked in with airlines.
- Carry-On luggage: Bags you carry with you on the plane.
- Personal electronics: Laptops, tablets, smartphones, cameras.
- Clothing and accessories: Clothes, shoes, jewelry.
- Travel documents: Passports, visas, and other essential documents.
- Sporting equipment: Items like skis, surfboards, and golf clubs.
- Valuables and souvenirs: Gifts and personal items purchased during the trip
Don’t let the fear of losing your belongings ruin your holiday. Protect your luggage and personal effects with TID travel insurance. Get an instant online quote today!
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.
Domestic
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.
Annual
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.
FAQs for lost stolen or damaged bags and valuables
How much will I be compensated for if my bags go missing or are stolen or damaged?
The most we will pay for is shown in the Schedule of benefits for your chosen plan. Limits apply per adult traveller and are not increased for accompanying children. We will not pay more than the original price you paid for an item, even if the applicable limit set out in the Schedule of benefits is higher. We will, after allowing for wear, tear, and depreciation, choose to:
- pay or reimburse the cost of repairing your item; or
- replace your property; or
- pay you its depreciated value in cash.
Am I covered for essential items if I’m stuck at the airport?
We will cover you towards the cost of buying essential items such as clothing, toiletries and personal belongings if your luggage is delayed, misdirected or temporarily misplaced by the carrier for a period in excess of 10 hours during your trip. If your luggage is not recovered, the amount paid by us for the loss will be reduced by the total of any amounts paid for under this section.What is not covered when it comes to bags and personal items?
There is no cover where you have made a claim for the same costs under any other section of the policy. There is no cover for purchase of jewellery, perfume, fragrances or alcohol. Additionally, this benefit does not apply on the leg of your trip that returns you to your home in Australia.This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.