What is the meaning of 'Luggage and Personal Effects'
'Luggage and Personal Effects' means any personal items owned by you and that you take with you, or buy on your trip and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment, personal computers, electrical devices or portable equipment.
However, it does not mean a bicycle (you will need to take out the Bicycle Pack for an additional premium if you are taking your bicycle on your trip and need cover for it), any business sample, passports, travel documents, cash, bank notes, currency notes, unset precious or semi -precious stones, watercraft of any type (except surfboards), furniture, furnishings, household appliances, hired items or items that you intend to trade.
For more information, refer to our Product Disclosure Statement (PDS).