Luggage and Personal Effects Travel Insurance
When you travel, your luggage and personal effects are essential. With WAS Travel Insurance, you can ensure your personal belongings are protected against damage, theft, or loss during your trip, meaning luggage issues don’t necessarily have to derail your trip.
UPGRADE POLICYProtect Yourself with WAS Travel Insurance
At WAS Travel Insurance, we want to offer options for a comprehensive policy that provides the coverage you need.
That's why, if you're travelling with expensive items, electrical equipment, or just want some added protection for your personal effects, you can customise the Luggage and Personal Effects benefit in your travel insurance quote. Note that there is a $2,000 per item limit.
Other Upgrade Options
What is Covered in the WAS Luggage and Personal Effects Benefit?
If your luggage or personal effects are damaged, stolen, or accidentally lost during your trip, our travel insurance cover can provide financial protection up to the amount shown in the Schedule of Benefits. Here’s what’s covered:
- Damaged items - We’ll repair damage where practical and economical to do so.
- Unrepairable items - For any items we agree can’t be repaired/replaced, we’ll calculate your benefit based on a depreciation table (find this in the PDS)
- Prescription medication - Up to $500 for expenses incurred overseas to replace damaged, stolen, or lost prescription medications (if the loss is not your fault).
- Passport or visa replacement - Costs to replace your passport/visa if lost, stolen, or damaged, including any relevant travel costs up to $5000.
- Credit card loss - Losses from unauthorised use of your credit cards as long as you’ve met the terms of your credit card company.
Delayed Baggage Allowance
Accidents happen with airlines daily, but it’s a pain if you’re on the wrong end of this especially as you start your holiday. If your luggage is delayed or misplaced by your carrier for more than 12 hours, you can claim up to $300 per insured person to buy essential items.
Please note that this benefit doesn’t apply to your return journey home. We also cover the costs of shipping your lost luggage and personal effects if they are recovered.
Note: Not all benefits apply and will depend on whether you have selected them (and they are reflected on your Certificate of Insurance). Terms, conditions, exclusions, sub-limits, and limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.
What’s Not Covered in Baggage Insurance?
It’s always important to understand the exclusions in any policy. Here’s what’s not covered in our luggage and personal effects upgrade. We will not pay any claim for:
- Sporting equipment damaged while in use
- Fragile items, unless loss or damage relates to fire or a traffic accident
- Unaccompanied luggage (items shipped separately from you)
- Valuables left in car or other motor vehicle for any length of time, even if secured
- Cash
- Wear and tear - depreciation or damage caused by insects, rust, or corrosion
Understanding policy exclusions helps you better understand the coverage you’re purchasing and helps avoid unpleasant surprises later on. You’ll also need to follow specific instructions as part of your claim process:
All cases of loss, theft, or delay must be reported to an appropriate authority as soon as possible, and you’ll need to submit a copy of the report as part of your claim. If you can’t provide a copy of the report, you’ll need a reasonable explanation and details of when and where you made the report.
Luggage and Personal Effects FAQs
Browse answers to the most common questions we get asked about luggage and personal effects coverOur travel insurance cover protects your luggage and personal effects against damage, theft, and loss during your trip. The basic premise is that, if the damage/theft/loss falls under covered circumstances, you can receive financial compensation based on the original purchase price or depreciation of the items.Please refer to the Depreciation Table in the PDS for further details.
The luggage cover benefit includes personal belongings such as:
- Clothing
- Personal computers
- Cameras
- Other valuable items.
However, as mentioned above, exclusions apply for certain items like sporting equipment while in use or valuables left in a rental car, taxi, or other motor vehicle. There is also a $2,000 per item sub-limit.
We calculate depreciation based on the age of the item at the time of loss. For example, for electronics, there’s no depreciation for items less than 2 years old, 50% depreciation for 2-3 years old, and 75% for those older than three years.
You should report the loss or delay to the airline (or other transport provider) straight away. Get written confirmation of the delay and keep receipts for any essential items purchased. You’ll need to submit these documents when filing your claim.
Yes, sub-limits apply to specific items such as prescription medication. Refer to the Product Disclosure Statement (PDS) for detailed information on sub-limits.
Report the theft to the local police or relevant authorities immediately. Make sure to get a copy of the report and submit it along with your claim.
Note: Not all benefits apply and will depend on whether you have selected them (and they are reflected on your Certificate of Insurance). Terms, conditions, exclusions, sub-limits, and limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.