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Looking for travel insurance that covers luggage?
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Luggage travel insurance
Got an upcoming trip and need travel insurance with cover for luggage and personal belongings? Travel Insurance Saver include cover for luggage and personal belongings under all of the products available from us (except Medical Only products).
Travel Insurance for Luggage Cover
Travel insurance for luggage cover is a type of insurance that can help protect your belongings while you are travelling. It can cover you for lost, stolen, or damaged luggage, as well as for expenses you incur if your luggage is delayed.
Our policies may provide coverage for baggage and personal effects in Section 6.
Coverage Includes:
- Loss, Theft, or Damage: If your baggage, personal effects, or valuables are lost, stolen, or accidentally damaged during your trip, you'll be covered for the cost of repair, replacement, or the original purchase price, whichever is lower.
- Maximum Payout Limits: The maximum payout for any single item is 50% of the overall limit stated in the Schedule of Cover, except for valuables and electronic equipment, which have their own limits.
- Baggage Delay: If your baggage is delayed or misdirected by the travel carrier for more than 12 hours, you'll be reimbursed for essential items you need to purchase. You'll receive up to $500 for the initial 12-hour period and up to $500 for each subsequent 24-hour delay, up to the limit in the Schedule of Cover.
Exclusions:
- Items Left in Vehicles: Baggage left in a motor vehicle is only covered if the vehicle was forcibly entered. The maximum payout for items stolen from a locked vehicle is $200 per item, up to $2,000 total. Electronic equipment and valuables left in vehicles are not covered.
- General Exclusions: The policy also has general exclusions that apply to all sections, including baggage and personal effects. These exclusions include pre-existing conditions, events caused by war or terrorism, and illegal activities.
- Other Exclusions: Other specific exclusions for baggage and personal effects include damage due to wear and tear, loss of unattended items in public places, and loss during shipping or freight.
Important Note: It's crucial to review the full policy wording for complete details on coverage, exclusions, and limits.
Types of Luggage Cover Travel Insurance
- Comprehensive: This type of policy covers a wide range of events, including lost, stolen, or damaged luggage, as well as expenses you incur if your luggage is delayed.
- Annual Multi-Trip: This type of policy covers you for multiple trips within a 12-month period.
- International: This type of policy covers you for trips outside of Australia.
- Domestic: This type of policy covers you for trips within Australia.
What is Covered
The specific coverage offered by travel insurance for luggage cover will vary depending on the policy. However, most policies may cover the following:
- Lost, stolen, or damaged luggage
- Expenses incurred if your luggage is delayed
- Reasonable costs for essential items if your luggage is delayed, such as toiletries and clothing
- Accidental loss
- Damage
- Theft
What is Not Covered
Most policies will not cover the following:
- Damage caused by normal wear and tear
- Damage caused by your own negligence
- Items that are not typically considered to be luggage, such as bicycles or sporting equipment
- Valuables that are not typically carried in checked luggage, such as jewelry or cash
- Existing medical conditions
- Government-advised "Do Not Travel" destinations
- Certain high-risk activities, such as skydiving or bungee jumping
Specific Inclusions and Exclusions
The specific inclusions and exclusions for travel insurance for luggage cover may vary depending on the policy. It is important to read the PDS carefully before you purchase a policy to make sure you understand what is and is not covered.
Travel Insurance Saver
Travel Insurance Saver offers a range of travel insurance policies that may include luggage cover.
Get a quote to view available products.
What is Covered
Travel Insurance Saver’s travel insurance policies cover the following in relation to luggage and personal belongings:
- Lost, stolen, or damaged luggage
- Expenses incurred if your luggage is delayed
- Accidental loss
- Damage
- Theft
What is Not Covered
Travel Insurance Saver's travel insurance policies do not cover the following in relation to luggage and personal belongings:
- Damage caused by normal wear and tear
- Damage caused by your own negligence
- Items that are not typically considered to be luggage, such as bicycles or sporting equipment
- Valuables that are not typically carried in checked luggage, such as jewellery or cash.
FAQ: Travel Insurance with Luggage Cover
1. What does luggage cover in travel insurance typically include?
Luggage cover usually includes protection against loss, theft, or damage to your baggage and personal belongings during your trip. It may also cover baggage delays, where you're reimbursed for essential items if your luggage is delayed for a certain period. Some policies offer additional coverage for high-value items like electronics or jewellery.
Luggage cover usually includes protection against loss, theft, or damage to your baggage and personal belongings during your trip. It may also cover baggage delays, where you're reimbursed for essential items if your luggage is delayed for a certain period. Some policies offer additional coverage for high-value items like electronics or jewellery.
2. Are there any exclusions to luggage coverage?
Yes, common exclusions include items left unattended in public places, damage due to wear and tear, loss during shipping or freight, and high-value items not declared beforehand. It's crucial to read your policy's exclusions carefully.
3. What should I do if my luggage is lost or delayed?
If your luggage is lost or delayed, report it immediately to the airline or transportation provider and obtain a written report (e.g., a Property Irregularity Report for airlines). Then, contact your travel insurer to initiate a claim and provide the necessary documentation.
4. What are the steps I need to take if my luggage is lost or delayed?
If your luggage is lost or delayed, you should immediately report it to the airline or transportation provider and get a written report (e.g., a Property Irregularity Report for airlines). Then, contact your travel insurer (TIS) to initiate a claim and provide the necessary documentation.
5. How can I prove the value of my lost or damaged items?
It's helpful to keep receipts, photographs, or other proof of purchase for your belongings. If you don't have receipts, you may need to provide alternative evidence of value, such as bank statements or online purchase histories.
6. Does luggage cover include items left in my rental car?
Coverage for items left in rental cars varies by policy. Some policies may cover theft from a locked car if there's evidence of forced entry. However, many policies exclude high-value items like electronics or jewelry left in vehicles, even if locked.
7. How much coverage do I need for my luggage?
The amount of coverage you need depends on the value of your belongings. Consider the total worth of your luggage, including clothes, electronics, and any other valuables you're carrying. Choose a policy with a coverage limit that adequately protects your belongings. Remember, some policies have per-item limits, especially for high-value items. There may also be exclusions for events that are and are not covered, so make sure you’ve read and fully understood the PDS available from us.
8. What is the maximum payout for a single item under the policy for luggage and personal belongings?
The maximum payout for any single item under the policy for luggage and personal belongings is 50% of the overall limit stated in the Schedule of Cover, except for valuables and electronic equipment, which have their own limits.
Remember: It's essential to read your policy wording carefully to understand the specific coverage, exclusions, and claim procedures. If you have any questions, contact your travel insurer for clarification.
Disclaimer:
This article is intended to provide general information only and does not take into account your personal circumstances. Please refer to the Product Disclosure Statement for full details of the cover available.
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