Am I covered for damage to my personal belongings as a result of normal use and repair?

Our policies include an exclusion relating to the ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin and loss or damage of your items in the process of cleaning, repairing or alteration.  Our luggage benefit can only cover for unexpected and unforeseen situations. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.    

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.