What is covered under the 'Luggage and Personal Effects' benefit?

This benefit provides cover for damage, loss or theft of your own personal items which you take with you on your trip.

Depending on your situation, up to the limits for this benefit, we may at our discretion, :

  • Repair the item,
  • Replace the item, or
  • Pay you the amount it would cost us to repair or replace the item


  • You have this cover if you chose the Comprehensive, Standard Saver, Snow Sports Plus, Domestic, Frequent Traveller Saver and Basics (optional add-on) policies.
  • Depreciation will be applied to items that you bring with you on your trip, unless your have purchased Specified High Value item cover
  • No depreciation will be applied to luggage and personal effects purchased duty free prior to your departure, luggage and personal effects purchased during your trip, or Specified High Value Items listed on your Certificate of Insurance.

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

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