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Travel Insurance with cover for Valuable Items

Travelling with gifts, cameras or jewellery? You may be able to add extra cover for your valuable items. See if you can increase the cover limits with any International or Domestic Comprehensive Travel Insurance policy, and make sure the things you care about are covered.

You could save on your travel insurance

You could save 10% on a new travel policy if you already have insurance with us.1

Why consider additional cover for your valuable items?

If you plan on taking expensive things away with you like a laptop, watch or camera, you can increase the cover available for one or more items by specifying the item your NRMA Travel Insurance policy. An additional premium applies. Increased item limit cover for more valuable items can provide protection for these things if they’re lost, stolen or damaged while you’re travelling.

Be sure to keep your valuables with you, as they’re not covered when checked in with a transport provider, unless security regulations require you to do so. Limits also apply to items in an unattended motor vehicle.

It’s worth making sure you’ve got enough cover for your valuables. While valuable items like mobiles and medical equipment are usually covered by your travel policy, they come with certain limits – usually somewhere between $1,000 and $4,000.

You'll need a receipt or a valuation that's less than two years old for any item you list. If you bought the item more than two years ago, make sure you have a valuation dated within the last two years. If you don't have a recent receipt or valuation, we'll have to deduct depreciation based on the item's age if you make a claim.

Knowing the things you care about are covered when you’re travelling gives you peace of mind for the trip. For full details, including limits and exclusions, always check the PDS before you buy.

Insurance

What does cover for Valuable Items include?

Included

With our travel insurance plans (cover varies depending on the plan you choose), you may increase the cover limits for your most valuable belongings

  • Extra cover for valuables like phones, laptops, cameras, jewellery and other specified items (with proof of ownership required).

  • Choose the higher single-item limit that suits you.

  • When you add coverage for valuable items during your quote, it appears on your Certificate of Insurance.

  • Cover if your luggage or personal items are stolen, lost, or damaged – subject to limits and conditions in the PDS.

  • Allowance if your bags are delayed on your trip, helping you buy essentials until they arrive (limits vary).

  • Medical expenses, evacuation and repatriation if you’re injured on your trip (up to $10 million2 with Essentials, and $Unlimited2 with Comprehensive).

  • Cancellation benefits for non-refundable prepaid arrangements if a covered event stops your trip.

  • Rental car insurance excess cover (up to $5,000 with Essentials, and up to $10,000 with Comprehensive).

  • 24-hour emergency hotline – speak to our expert, multilingual team at any time, from anywhere in the world.

Not included

There are some things we don’t cover

  • Items left unattended or not reasonably protected – including in public places.

  • Checked in valuables – keep your valuables on you and don’t leave them in a car, campervan or motorhome overnight.

  • Items without proof of ownership.

  • General policy exclusions such as wear and tear, depreciation, or losses linked to unlawful or reckless behaviour.

Options to vary your cover

You can choose to add these when you get a quote

  • Reduce or remove your excess.

  • Add cover for certain activities, like snow sports or motorcycling (conditions apply).

  • Choose annual multi-trip cover if you’re travelling more than once a year.

Annual multi-trip

Take as many trips in a year as you want to your chosen destination or area, all on the one policy. All our annual multi-trip plans are provided under our Comprehensive Travel Insurance plan, giving you our highest-level travel insurance.

You can select cover for up to 30, 45 or 60 days per trip for international policies (15 or 30 for domestic). That way, you can travel as often as you like throughout the year (up to your chosen limit).

To be covered by an annual multi-trip plan, your destination must be over 250km from your home. Or, if your destination is less than 250km from your home, your trip must include at least one night of paid accommodation (like in a hotel or Airbnb).

Choose the cover that’s right for you

Start by selecting the travel insurance plan that suits your trip – Domestic or International. Then think about what you’ll be taking with you.

If you’re travelling with valuables like a phone, laptop, camera, jewellery or a watch, you may add extra coverage for single items when you get a quote. An additional premium applies.

This way, you can choose cover that suits your travel plans, including higher item limit cover for your valuables.

What items can you add extra coverage for?

Mobile phones

Your phone goes everywhere with you. Valuable Items Cover lets you increase the standard policy limit, so the cover suits your needs.

Laptops and tablets

Essential for work, study or staying connected, but costly to replace. Raise their limit to match their true value.

Cameras and lenses

Whether it’s a DSLR or travel zoom, this gear is expensive and fragile. Extra cover helps if it’s lost or damaged.

Jewellery

Small, sentimental and valuable. Listing it for extra cover can make it easier to replace if it’s stolen or misplaced.

Watches

From smartwatches to heirlooms, they’re part of everyday life. Boosting the limit means you’re not left out of pocket if yours is lost.

Drones

Popular for travel footage but pricey to replace. Add cover so you worry less in transit.

Medical and dental dervices

Hearing aids, CPAP machines or dental appliances are vital and expensive. Extra cover helps you keep moving if they’re lost or damaged.

Other valuables

Got something else that would be costly to replace? With receipts or valuations, you may add it for extra protection.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Product Disclosure Statement
Target Market Determination

With 100 years’ experience, we know how to protect the things you care about

Protection for trips within Australia, from city breaks to coastal getaways.

Learn about Domestic Travel Insurance

Cover for overseas holidays, with support available 24/7 worldwide.

Learn about International Travel Insurance

We’re here to give you the emergency assistance you may need, 24 hours a day, 7 days a week.

Learn about our 24/7 assistance
FAQs

Valuable Items Cover FAQs

Read more

You can pay an extra premium to increase the coverage item limits for your most valuable belongings – like phones, laptops, cameras, jewellery, medical equipment including hearing aids or drones. These items are already covered under your policy, but subject to standard limits. The increased limit is shown on your Certificate of Insurance.

You'll need a receipt or a valuation that's less than two years old for any item you list. If you bought the item more than two years ago, make sure you have a valuation dated within the last two years. If you don't have a recent receipt or valuation, depreciation applies based on the item's age if you make a claim.

Yes, you may be able to tailor your cover by specifying valuable items like your phone or laptop. The increased limit you choose becomes operable once it’s shown on your Certificate of Insurance.

Yes. You'll need a receipt or a valuation that's less than two years old for any item you list.

If you bought the item more than two years ago, make sure you have a valuation dated within the last two years.

If you don't have a recent receipt or valuation, we'll have to deduct depreciation based on the item's age if you make a claim.

No, this coverage must be added when you submit your quote. Once your policy has commenced, you cannot add or change extra coverage for single items.

Yes. The cover doesn’t apply if items are left unattended or not reasonably protected (for example, in public places or in vehicles). Valuables are never covered if they are checked in with a transport provider, unless security regulations require this. General policy conditions and exclusions also remain in effect – like wear and tear, depreciation, or losses from unsafe behaviour and others, please refer to the PDS for full details.

Claims for high-value items are assessed against the limits included in your policy. Standard limits apply to valuables, unless you’ve chosen to increase the limit for specific items, in which case the higher amount shown on your Certificate of Insurance will apply.

You'll need a receipt or a valuation that's less than two years old for any item you list.

If you bought the item more than two years ago, make sure you have a valuation dated within the last two years.

If you don't have a recent receipt or valuation, we'll have to deduct depreciation based on the item's age if you make a claim.

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Things you should know

  1. This discount is available for existing NRMA Insurance customers. Discount applied to total premium price (including government charges, taxes, levies and fees). We may withdraw this offer at any time.
  1. Cover will not exceed 12 months from the onset of the illness or injury.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD). If you purchase this product from NRMA Insurance or its authorised distributors, they may receive a commission, for more information please refer to NRMA Insurance’s FSG.