Personal Valuables - Unspecified Items

If you have personal items that you normally carry with you away from your home, you can cover them for accidental loss or damage under this optional cover for an extra premium.

What policy covers Personal Valuables – Unspecified Items?

Personal valuables – specified items is optional for all levels of cover and can be added to your policy for an extra premium.

We will pay up to $1,000 per item, pair, set or collection up to the total sum insured shown on your certificate of insurance for this option.

Remember that an excess of $100 applies, each time you make a claim, not the standard contents excess.

What’s covered

We cover accidental loss or damage to personal valuables at or away from the insured address during the period of insurance anywhere in Australia or New Zealand. We only cover certain items under ‘Personal valuables – unspecified items’, such as, (but not limited to) jewellery, watches, handbags, photographic and optical equipment, and wallets. For a list of the items that we cover, and for limits and exclusions, read the PDS.

We also cover jewellery and watches anywhere in the world for up to 30 consecutive days, but only while being worn by you or in a secure safe.

If you want to insure a personal valuable for more than $1,000, it can be covered under our optional cover ‘Personal valuables - specified items’. As the name suggests, you must specify the value of the item. The most we will pay you for a claim covered under your policy, is the item’s sum insured as shown on your certificate of insurance. Conditions, limits and exclusions apply, read the PDS.

What’s not covered

There are specific items we don’t cover as ‘Personal valuables – unspecified items’, and there are other exclusions to this coverage, such as items that are primarily used for any business activity, drones, personal transportation vehicles, any contents on exhibit or up for sale, and cash, smart cards, phone cards, documents able to be cashed or traded.

You can learn more about it in the Product Disclosure Statement. 

Explore the Product Disclosure Statement (PDS)