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If My Bag Is Stolen Will I Be Covered?

We will pay the repair costs or value of any Luggage and Personal Effects which are stolen, accidentally damaged or are permanently lost. However, unfortunately we aren’t able to provide coverage for luggage and personal belongings that are classed as unattended and unsupervised.      

Broadly speaking, if an item is unattended, it means, (but is not limited to) when an item is:
• not on Your person or under Your control at the time of loss;
• left with someone You don’t know;
• left in a place where it can be taken without Your knowledge including on the beach or beside the pool when You swim;
• left in a place where the item is out of Your sight; and/or
• left at a distance where You are unable to prevent the item from being unlawfully taken

If an item is left unsupervised, this could mean leaving the item with a person who is not named on your certificate of insurance or who is not a travelling companion/relative.It could also mean leaving an item with someone who is named on your certificate of insurance but you doesn’t keep an eye on these items.

Please check the PDS for more details.


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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.