Home / Travel Insurance / Benefits / Cover for Luggage and Travel Documents

luggage at airport

Insurance for Your Luggage and Travel Documents

Protect your belongings when you travel

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 24 June 2019.

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.

Find our full range of travel insurance benefits here!

Increase your luggage item limits

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.

Take care of your belongings

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.

What does this mean for you?

  • Keep valuables with you (where security regulations allow you to do so) rather than checking them in with the Transport Provider. See our definition of “valuables” under the heading below.
  • Do not leave valuables in a motor vehicle at any time.
  • A maximum limit of $2,000 applies to any other items left during the day in the boot of a locked motor vehicle. Items left anywhere else in the car that is not the locked book aren’t covered. Also, don’t leave items in a motor vehicle overnight as they are not covered.
  • Report any loss or theft to the police within 24 hours as an original police report is required for any claim involving loss or theft.
  • We require the relevant report from the related party. For example, an Airline Property Irregularity Report (P.I.R.) is also required if your items were lost or stolen when travelling with an airline.

Luggage and travel document policy benefit

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.

1. Loss, theft or damage

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
Premium $4,000 $4,000 $1,000 $750
Medical Only No luggage cover No luggage cover No luggage cover No luggage cover
Domestic $300 $300 $300 $300
Domestic Cancellation No luggage cover No luggage cover No luggage cover No luggage cover
Inbound $200 $200 $200 $200

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.

2. Travel document replacement

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.

3. Automatic reinstatement of sum insured

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:

Premium Plan $15,000
Medical Only Plan No cover
Domestic Plan $3,000
Domestic Cancellation Plan No cover
Inbound $3,000

We will not pay for:

  1. Loss or theft which is not reported within 24 hours to the:
    a) police; and
    b) the responsible Transport Provider (where Your items are lost or stolen whilst travelling with a Transport Provider).
    All cases of loss or theft must be confirmed in writing by the police (and Transport Provider where applicable) at the time of making the report and a written report obtained.
  2. Damage, loss or theft of Valuables placed in the care of a Transport Provider unless security regulations prevented You from keeping the Valuables with You.
  3. Valuables left unattended in any motor vehicle at any time (even if in the boot).
  4. Items left unattended in any motor vehicle unless stored in the boot and forced entry is gained.
  5. Items left unattended in any motor vehicle overnight (even if in the boot).
  6. Any amount exceeding $2,000 in total for all items left unattended in any motor vehicle.
  7. Items left unattended in a Public Place.
  8. Drones (including attached and unattached accessories) whilst in use.
  9. Sporting equipment whilst in use.
  10. Items sent under the provisions of any freight contract or any luggage forwarded in advance or which is unaccompanied.
  11. Surfboards or waterborne craft of any description. This exclusion does not apply if the item is lost, stolen or damaged while in the custody of a Transport Provider.
  12. Damage to fragile or brittle articles unless caused by a fire or motor vehicle collision. This exclusion does not apply to spectacles; lenses in cameras and video cameras; laptop and tablet computers; or binoculars.
  13. Damage caused by atmospheric or climatic conditions, wear and tear, vermin or any process of cleaning, repairing, restoring or alteration.
  14. Electrical or mechanical breakdown.
  15. Information stored on any electronic device or other media, including digital photos, downloaded files, electronic applications, programmed data, software or any other intangible asset.
  16. Bonds, coupons, gift cards, stamps, vouchers, warranties, pre-loaded or rechargeable cards including but not limited to phone, debit or stored value cards.
  17. Bullion, deeds, insurance premiums, manuscripts, negotiable instruments, precious metals or securities.
  18. Items described in Section 6 Money.

Please also refer to our General Exclusions and Policy Conditions.

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.

Don't forget to visit our travel insurance benefits page to find out more.


The information on this page relates to the Direct Cover-More travel insurance product effective 24 June 2019.