Coronavirus Outbreak Latest Information


luggage and personal effects 

We understand that your luggage has both financial and sentimental value. That is why we offer up to $15,000 luggage and personal effects cover under our Comprehensive travel insurance.

What's Covered?
  • Stolen or lost items. We will pay the repair costs or value of any luggage and personal effects which are stolen, accidentally damaged or are permanently lost.
  • Items left in a motor vehicle are only covered during daylight hours if they were left in a Concealed Storage Compartment of a locked motor vehicle, & forced entry was made. (Please see PDS for full details on this point.)
  • Expensive items. If you are taking expensive items on your trip, you can increase your cover for an item up to $5000. Your items will not be depreciated if you apply for High Value Cover. 

Unless you have High Value Cover, we calculate the amount payable based on the depreciated value of an item due to age, wear and tear. The depreciated amount will be determined by 1Cover.

Terms and conditions, limits and exclusions apply. Please see PDS for full details.

what's not covered?
  • Unsupervised items. We will not pay if you the leave the items unsupervised in a public place.
  • Unattended items. ‘Unattended’ means, but not limited to, when an item is not on your person at the time of loss, left with a person other than your relative or travelling companion, left in a position where it can be taken without your knowledge including on the beach or beside the pool when you swim, leaving it a distance where you are unable to prevent it from being unlawfully taken.
  • Unreported incidents. Make sure you report the incident. We will not pay if you do not report the incident within 24 hours to the police/airline/bus line/ shipping line or rail authority.
  • Incidents with no accompanying written statement. We will not pay if you cannot provide 1Cover with a written statement from whoever you reported it to.
  • Unattended items in motor vehicle at night. If your items were left unattended in a motor vehicle during night-time hours. 

Terms and conditions, limits and exclusions apply. Please see PDS for full details.

Find out what else travel insurance covers here.

Luggage Tips

  • We generally advise that items of huge personal value stay at home. Travel is unpredictable. 
  • Don't make it too obvious that you are a tourist in busy areas. 
  • When you get money out of an ATM, beware of what's around you and, if possible, you can ask a friend to stand next to you to keep watch. 
  • Keep your wallet in your front pocket not your back pocket.
  • Keep your bag or handbag on your lap, not on the floor. 
  • Be extra careful at night time, especially if travelling alone. Avoid places where you could be ambushed - steer clear of dodgy back alley ways.
  • If you think someone is going to rob you, or they are following you - make eye contact, act confident, and this should help deter their attention.
  • If something does go wrong, go to the authorities to report it as soon as you can.

Travel Insurer Of The Year 2019

luggage and personal effects FAQs

  • If I Drop My Phone Due To No-Ones Fault But My Own Will It Be Covered?
  • Each claim is assessed on a case by case basis, and there may be a provision to claim for your phone. Please note that there is no cover available for damage to the screen nor for water (or any liquid) damage.

  • Can I Make More Than One Claim Under One Policy?
  • Yes, however an excess may be applicable for each claim you are making. 

  • If The Airline Loses My Luggage Will My Travel Insurance Replace The Items?
  • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then you may not be covered.

    However, if you are not reimbursed the full amount of your claim, there may be a provision to claim for the difference between the amount of your loss and what you were reimbursed. However, the amount you can claim for will be based on the limit of your cover and needs to allow for depreciation due to the age, wear and tear.

    Please note that you need to obtain a written statement outlining what you have been reimbursed from an airline, bus line or rail authority before a claim is lodged with 1Cover.

    See the PDS for full details.

  • What Will You Accept As Proof Of Purchase?
  • With online claims we only ask for the documents we really need. So the best way to find out exactly what documents we do need in your specific circumstances is to start an online claim. Your answers to the questions we ask you about your claim determine what documents you'll need to provide.

    In terms of determining ownership or proof that you purchased something, these are examples of what we may ask for:
    - Receipts or invoices for non physical and physical purchases; 
    - proof of purchase/ownership certificates; 
    - documentation that confirms dates/locations (e.g. itinerary, ticket bookings, hotel confirmations);
    - copies of credit card statements. 

  • How Is Your Depreciation Weighted? 
  • When calculating the amount payable we will apply depreciation due to age, wear and tear. The amount of such depreciation will be determined by our Claims team. No depreciation will be applied to goods purchased duty free prior to your departure or goods purchased during your journey. We will not pay more than the original purchase price of any item. 




Get A Fast Quote


Where are you Travelling?

Find out everything you need to know about the best travel insurance for the following destinations:


Do you need to know About...

Activity Hub

Going Snowboarding, Sailing, Or Motorbiking? We Cover 100+ Activities and Sports. Visit our Activities Page to see what sorts of activities you're covered for and what you're not.

Pre-existing Conditions

A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what they are and how they affect your travel insurance.


You or someone you’re travelling with is going to have a baby…so you’ll need to find out how travel insurance works for pregnant women

What travel insurance covers 

From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not.