Lost, stolen or damaged luggage? Travel insurance can help.

Whether you're flying overseas for a tropical getaway, exploring Australia's coastline or packing the car for a family holiday, your luggage is an important part of your travel plans. From your favourite outfits and everyday essentials to your phone and camera, there's plenty to think about when packing for your next adventure.

But what happens if your luggage is lost, stolen or damaged along the way?

That's where RACT Travel Insurance may be able to help.

Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.

What does luggage cover include?

We offer luggage cover across selected domestic and international travel insurance plans, helping cover the reasonable cost of repairing or replacing eligible belongings if they're lost, stolen or damaged during your trip.

Depending on your chosen level of cover, this can include items such as:

• Suitcases, clothing and personal belongings

• Mobile phones, laptops and tablets

• Cameras and video equipment

• Other eligible personal items

If your luggage is covered under your policy, the insurer may pay the reasonable repair or replacement cost, or arrange to repair or replace the item. Replacement items will be new.

For full details, please refer to the combined PDS/FSG.

What if your luggage is delayed?

You've arrived at your destination, but your suitcase hasn't made it with you.

If your luggage is delayed by your transport provider for more than 10 hours during your trip, we may help cover the reasonable cost of purchasing essential items while you wait. These can include toiletries, underwear, socks, a change of clothes and shoes.

How much luggage cover can you get?

We offer different levels of luggage cover depending on your travel plans and the policy you choose.

Individual item limits also apply, so it's worth checking the level of cover available for your belongings, particularly if you're travelling with electronics or other valuable items.

For full details, please refer to the combined PDS/FSG.

Tips to help protect your luggage when travelling

A little preparation can go a long way towards keeping your belongings safe while you're away.

1. Keep your valuables close - where possible, carry important items such as your phone, camera and other valuables with you rather than placing them in checked luggage.

2. Keep your belongings secure - avoid leaving luggage unattended, and if you're travelling by car, keep your belongings out of sight in a locked vehicle. Remember, restrictions and exclusions apply to belongings left in vehicles. Also, be mindful that there is an exclusion for luggage left unattended.

3. Keep a record of your belongings - receipts, bank statements and photographs can be helpful when documenting the items you're travelling with, particularly if you need to make a claim.

4. Report lost or damaged luggage promptly - if something goes missing or is damaged, report it to the relevant airline, transport provider, accommodation provider or police as soon as possible and request written confirmation.

With luggage cover included in selected RACT Travel Insurance policies, you can enjoy your travels knowing eligible belongings may be covered if something goes wrong.

Before you set off, take the time to explore your options and choose the level of cover that suits your travel plans.