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Can I Purchase Extra Cover For A Precious Item?

There’s always a risk of losing items when you travel. 

Our Comprehensive and Domestic policies have a ‘Luggage & Personal Effects’* section, and that means any personal items owned by you and that you take with you or buy on your journey. 

Luggage & personal effects are covered under all plans except for Medical Only, but individual limits apply to each item as per the table below.

Items Maximum payable amount for the first item*# Maximum payable amount for subsequent lost/stolen/damaged items within same category

Personal Laptops, video recorders or cameras



Mobile phones and tablets, (including PDA's and any other item with phone capabilities)






If you have precious items that you’d like to insure for a higher limit, we have the option for you to specify high value items up to $5,000. However, high value items have to be less than 12 months old and exclude jewellery, bicycles, watches and watercraft (other than surfboards).

See the PDS for more details. 

*Luggage and Personal Effects includes items of clothing, personal jewellery, photographic and video equipment or personal laptop computers, or electrical devices or portable equipment. However, it does not mean any cash, bank notes, currency notes, cheques, credit cards, negotiable instruments, bicycles, drones, passports, business samples or items that you intend to trade.


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All FAQ answers are based on the current effective PDS. If your policy is older than the current PDS, please contact us or refer to your particular policy.

Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the PDS.