Travel insurance cover for baggage and personal effects

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

While it’s very important that you be extra careful with your own baggage and personal effects while travelling, your policy can help if something happens and it’s lost, stolen or damaged.

What are 'valuables'?

The following items are considered valuables under the policy:

Valuables; Valuable items: watches, furs, jewellery, photographic equipment, binoculars, telescopes, spectacles, sunglasses, contact or corneal lenses, computers and/or accessories (including laptops, games & gaming consoles), PDA’s and tablet devices (including iPad’s and eBooks), video cameras, audio visual equipment (including portable speakers and headphones), DVD players, mobile phones, drones and satellite navigation devices.

Valuables have a combined limit of cover. Of course if you list any of your valuables as specified items then they will be covered separately and won't be part of this combined limit.

What’s covered

  • Your baggage and personal items when lost, stolen, damaged or destroyed, if you look after them properly. That means, keep them with you as much as possible or, if you must leave them, ensure they’re in a locked compartment out of sight lines.

  • Your checked-in baggage when lost, damaged or delayed by a common carrier (eg airline or bus company).

  • Your passport, travel documents and driver’s licence when stolen or lost.

  • Your money (Explorer plan only).

  • Essential items when your baggage is delayed by a common carrier (e.g. airline or bus company) for over 24 hours.

How it works

Depending on what's happened, we may choose to repair, replace or make a cash settlement based on the replacement cost of the item. Be aware that there will be allowances for wear and tear; (depreciation) unless it's listed as a specified item where an additional premium has been paid, in which case no depreciation will apply.

What you need to do if your baggage is lost, damaged or stolen

Whatever happens, you’ll need to get written proof of the incident from the local police (particularly for a theft) or other appropriate authority such as your tour operator, bus company, airline or hotel as soon as possible upon discovery to support your claim. We understand that this can be a challenge in a country where you don't speak the language and they might even make you pay for it, but you will need this report to support your claim. Our 24/7 Emergency Assistance Team may be able to help you negotiate the local administration.

You’ll need to send in the original receipt, valuation report or other acceptable proof of the item’s value, age and your ownership in order for your claim to be considered. If you make a claim for damaged items, we will ask for proof of the damage, which may include a repair quote.

If your baggage is delayed, damaged or lost by the carrier (airline or bus etc), cover may be available. You must notify the carrier and obtain a written report from the carrier (a PIR - Property Irregularity Report in the case of an airline) and where possible obtain compensation from them.

What’s not covered

At no time, for any reason, should you leave your bags or any personal items unsupervised, anywhere. You wouldn't do it at home so be even more careful when you are travelling.

Your belongings are not covered at all when:

  • You don’t exercise reasonable care for the safety and supervision of your personal baggage;

  • They are left unattended at any time (particularly valuables and specified items left in a vehicle or in the custody of carriers). Cover applies only when they are with you or locked in a safe or safety deposit box;

  • They are left unattended in a vehicle (other than when you’re staying in securely locked motor caravans) overnight between 9pm and 9am local time;

  • Left unattended during the day unless left in a locked glove compartment, rear boot or luggage area and covered so as not to be visible from the outside of the vehicle and there is evidence of forcible and violent entry;

  • They are hired, loaned or entrusted to you. That is, you must actually own the items you claim for; and

  • Anything else that’s listed in the General and Specific Exclusions in the policy wording.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

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Our contact details

We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1)

Contact us


For policies purchase on or after 2 December 2018:

+353 21 237 8006


For policies purchased before 2 December 2018:

+61 2 8256 1542