What is considered a 'set' under the luggage benefit?

A ‘pair’ or ‘set’ of items are several related items that are alike, complementary, or are used in conjunction with each other.

Where an item is part of a pair or set, we will pay no more than the value of the lost, damaged or stolen part, regardless of any special value that the item may have had as part of a pair or set.

A pair or related set of items are considered as only one item and the appropriate single item limit will be applied.

For example: A complete set of 20 baseball cards is worth $5000, however, if you took the individual value of each card, the total would add up to $2000 (each card would only be worth $100). This is because having the entire set of the baseball cards would be very rare, so there is a $3000 premium on the full set. If you lose 2 of the cards, the most you could claim for would be $200, so $2000 divided by 20 and then multiplied by 2, and NOT $5000 divided by 20 and then multiplied by 2.

A pair or set of items can be, but is not limited to:

• a camera, lenses (attached or not), tripod and accessories,
• a matching pair of earrings,
• golf clubs,
• fishing rod and reel

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Consider the PDS prior to deciding whether this policy is right for you.