When you travel, we understand that you may want to protect important items like your passport, bankcards and contents of your suitcase. That’s where our benefit for luggage and travel documents can help! Our Cover-More policies can include protection if your luggage is lost, stolen or damaged. As much as we would love to, our travel insurance can’t cover absolutely everything. Make sure you read our full PDS to find out more. The information on this page relates to the Cover-More travel insurance product effective 20 September 2017.
See how affordable protecting your trip can be. Get a free quote online for Cover-More travel insurance or call us on 1300 72 88 22.
Are you travelling with valuable items? You may be able to increase the item limits by paying an additional premium. When arranging your travel insurance online, you may be able to increase the luggage item limit up to $4,500 for a single item. For multiple items, the overall increase in limits cannot exceed $7,000. An additional premium will apply. This can help protect the important things you’re taking with you. Remember that receipts or valuations (less than 12 months old) must be available if requested by us. If you choose not to increase cover for your valuable items, then our standard item limits will apply.
Get a free quote online for travel insurance to protect your valuable items.
When you’re at home, you look after your belongings. When you travel it should be no different. We see many claims for loss or theft that are caused by people being careless with their belongings. Your claim may be declined if you fail to take care of your personal possessions. Not all belongings are covered by the policy.
Are you wondering what we consider your valuables to be or how we define a public place? Have a read of our definitions below.
"Valuables” means articles made of or containing gold, silver or precious metals; binoculars; jewellery; mobile phones; photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including computer games, portable navigation equipment or media); precious stones; smart phones; telescopes and watches.
“Public Place” means any place the public has access to including but not limited to airports, beaches, hotel foyers and grounds, ports, private car parks, restaurants, shops and streets.
If during the Period Of Insurance Your luggage or personal effects are lost, stolen or damaged, after deducting reasonable depreciation. We will replace, provide a replacement voucher, repair or pay You the monetary value of the luggage or personal effects. It is Our choice which of these We do.
This policy is an indemnity policy which means settlement of Your claim is based on the value of an item at the time of the loss and not on a ‘new for old’ or replacement cost basis. Reasonable depreciation takes into account the amount paid originally for the item, its age, wear and tear and advances in technology.
Our payment will not exceed the original purchase price of an item with a limit for any one item, set or pair of items including attached and unattached accessories of:
|Plan||Cameras and video cameras||Laptop and tablet computers||Smart phones and mobile phones||Other items|
|Medical Only||No luggage cover||No luggage cover||No luggage cover||No luggage cover|
|Domestic Cancellation||No luggage cover||No luggage cover||No luggage cover||No luggage cover|
For example a camera, camera accessories, lenses and tripod (attached or not) are considered one item. A necklace and pendant are considered one item.
Where an additional premium has been paid to increase the item limit for a single item, the claim will be assessed based on the item limit specified on the Certificate of Insurance. For multiple items, the overall increase in limits cannot exceed $7,000.
We will pay You for the cost of replacing travel documents and credit cards lost or stolen on the Journey. We will also pay for Your legal liability arising from their illegal use. You must however, comply with all the conditions of the issue of the document prior to and after the loss or theft.
In the event that a claimable loss, or damage to Your luggage and personal effects is incurred, We will allow You one automatic reinstatement of the sum insured stated in the Plan selected whilst on Your Journey.
The maximum benefit limit for this section is:
|Medical Only Plan||No cover|
|Domestic Cancellation Plan||No cover|
If our travel insurance options work for you, get a free quote online to see how affordable protecting your trip can be. Or give us a call on 1300 72 88 22 if you need assistance.