Want luggage only travel insurance? A non-medical travel insurance policy can cover you for just your luggage and trip cancellations.
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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What is luggage insurance?
Luggage cover is a specific section of your travel insurance policy - it's designed to kick in if your belongings are accidentally lost, stolen or damaged during your trip.
While it sounds like it's luggage insurance just applies to what's in your suitcase, most of the belongings you take on the trip will be included. So if you have your wallet pickpocketed while sightseeing in Rome, or you accidentally crack the lens of your new camera, you should be able to make a claim.
Most insurers also offer a benefit for delayed baggage under their luggage insurance - so if your airline accidentally sends your stuff to the wrong city, you should be able to get some cash back.
What's covered in luggage insurance?
Generally, you should expect to be covered if your personal belongings are lost, damaged or stolen while you're on holiday. This includes;
- Luggage and personal effects
- Daily expenses for delayed luggage
- Theft of cash
- Replacement of travel documents and credit card fraud (if you're lucky)
Of course, as with any insurance policy, there are some exceptions to the rule. For example, some companies won't pay out if you accidentally break a golf club on the green - but you'd probably be covered if your clubs were stolen from your hotel room.
What isn't included in luggage insurance?
Firstly, you can't just throw caution to the wind because you've got luggage insurance. Most policies won't pay out if you've been reckless with your stuff so remember to lock your doors, and don't leave your suitcase with strangers - that sort of thing.
Leaving stuff in the car is also a bit risky - most insurance companies won't let you claim for anything that was left in the car overnight and they usually put limits on things that were left in the car during the day. Even then, you'll probably only be able to claim if your items had been locked away in the boot.
Certain items are also excluded by different insurance policies - bicycles and drones are pretty common ones - so it's worth checking your product disclosure statement to find out what might not be included.
How much can I claim on my luggage insurance?
There'll be a maximum amount you can claim for your luggage - usually between $5,000 and $15,000 - depending on which insurance policy you choose.
However, some insurance policies will also have a limit on how much you can claim for specific items - so you might only be able to claim a maximum of $500 for your phone or $750 for your laptop. Not ideal if you're taking top of the line tech, but absolutely fine if you've only got an old phone and you're leaving your laptop at home.
What if I'm travelling with a high-value item?
Standard insurance policies set a limit to the amount they will pay out per item - but that doesn't mean you're out of options. Usually, you can add an item to your policy, essentially customising it for you. The policy will probably be more expensive, but could be worth it in the long run.
Can I get luggage only travel insurance?
In the past, some companies did offer luggage-only travel insurance, often for people who were travelling on a budget, but it's not something that's very popular anymore.
These days, you can usually find a full travel insurance policy for an affordable price anyway - so you'll be covered for things like medical expenses and trip cancellations, as well as lost or damaged luggage.
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