Am I covered if my luggage is stolen from the locked boot of my unattended car during the day?

When luggage or personal items are stolen from the locked boot or locked storage compartment of an unattended car during daylight hours, your situation can be considered under the Luggage and Personal Effects benefit, as long as you have followed the security conditions in your policy.  

This means the items need to have been stored out of sight in a locked boot or locked storage compartment, the theft must have happened between sunrise and sunset, and there must be evidence of damage or forced entry that is confirmed in a police report.  

If these conditions are met, the most that can be paid for items stolen from an unattended motor vehicle during daylight hours is limited to 200 dollars per item and 2,000 dollars in total for all stolen items, even if you have specified high value items listed on your Certificate of Insurance.  

These limits sit within the overall Luggage and Personal Effects benefit and any other sub limits that apply to your type of policy.  

You are able to submit a claim, and the claims team will consider your case based on the circumstances of the theft, the evidence you provide, and whether all policy requirements around security and reporting have been met.  

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.