Does travel insurance cover mobile phones, tablets and other electronics?

Electronic gadgets are not only part of our everyday lives, we also take them with us on our travels — to keep in touch with loved ones, record our trip, entertain ourselves, source information, and navigate strange locales. 

All Budget Direct travel insurance policies except Last Minute include cover for your valuables, including gadgets such as laptops, cameras, tablets and smartphones.

There are limits to the amount we’ll pay to repair or replace a gadget (see table below); if your gadget costs more and you want to insure it for a higher amount, you can upgrade your cover.

What’s covered?

We can pay to repair your lost, stolen or damaged gadgets, including:

  • laptops
  • cameras (SLR and digital)
  • video cameras (including GoPros)
  • computer tablets (e.g. iPad)
  • smartphones / mobile phones (e.g. Android, iPhone)
  • smartwatches
  • ebook readers (e.g. Kindle, Kobo)
  • MP3 players (including iPods)
  • handheld game consoles
  • headphones (including Bluetooth).

What’s not covered?

Budget Direct does not cover gadgets lost, stolen or damaged under certain circumstances, including:

  • forgetfulness (e.g. leaving a device behind in a restaurant)
  • not carried in your hand luggage while you’re flying, busing, etc.
  • left unattended in a public place or with someone you don’t know
  • not reported to the relevant authority (e.g. police, airline, embassy) within 24 hours and/or failure to obtain a written report
  • theft from an unattended motor vehicle — unless the property was stolen from a locked boot, locked and covered luggage compartment or locked glove compartment, with evidence of forced or violent entry to the vehicle
  • theft from an unattended motorcycle
  • mobile-phone plan charges and unused prepaid-mobile minutes.

For the full list of exclusions, please read the Product Disclosure Statement.

Compare cover

The following table shows the maximum amounts we’ll pay for luggage and personal effects claims per insured person.

For example, if a family of five has Comprehensive cover and all five of them have their luggage stolen, upon acceptance of their claim we’ll pay them up to $7,500 each (minus their excesses of $200 each). 

If you choose Comprehensive or Annual Multi-Trip cover and want to insure an item (e.g. a laptop or digital SLR camera) that costs more than the standard claim limit of $750 per item or set, you can upgrade your cover.

Luggage and personal effects cover: Claim limits

  Comprehensive Essential Last Minute Domestic Annual Multi-Trip
Total Up to $7,500 Up to $5,000 Up to $2,500 Up to $5,000 Up to $7,500
Per item/pair or set of items Up to $750 Up to $500 Up to $500 Up to $500 Up to $750
Valuables — laptops, tablets, cameras, video cameras, and mobile phones only Up to a combined total of $3,000 Up to a combined total of $2,000 No cover Up to a combined total of $2,000 Up to a combined total of $3,000
Valuables — other Up to a combined total of $750 Up to a combined total of $500 No cover Up to a combined total of $500 Up to a combined total of $750
Property (including specified items) lost or stolen from an unattended motor vehicle Up to a combined total of $500 Up to a combined total of $500 Up to a combined total of $500 Up to a combined total of $500 Up to a combined total of $500
  Read more Read more Read more Read more Read more

Upgrade your cover

With our Comprehensive or Annual Multi-Trip policies, you can, for an additional premium, choose to insure an item (or pair or set of items) for more than the standard claim limit of $750 — by adding ‘Additional Specified Items Cover’ to the policy.

This optional cover allows you to specify the item/s on your policy, with an individual description and value, up to a maximum of $4,000 per item and a combined total of $6,000.

How do I add this optional extra to my policy?

You can add Additional Specified Items Cover when you get a quote and buy a policy.

If you’ve already purchased a policy, you can add this cover by calling us on 1800 444 424 or logging into your online account and editing your policy before you depart on your trip. 

Note that, if you have an Annual Multi-Trip policy, you must specify your item/s for each individual trip that you require the additional cover.

Find out more

The information on this page is a summary only. For more details about Budget Direct travel insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.

How to make a claim

If you need to make a claim, we’re here to help. You’ll need to give us a receipt proving your ownership and the value of the gadget in question and, if applicable, a written report from the relevant authority (e.g. police, airline, embassy). Make a claim on your travel insurance policy.

How will my claim be settled?

If your damaged gadget can be repaired quickly, easily and economically (e.g. a cracked mobile phone screen), we can reimburse you for the cost to repair it.

If it’s uneconomic to repair or damaged beyond repair, we can compensate you for the cost to replace it. 

This replacement cost will be based on the value of the device at the time it was lost, stolen or damaged (i.e. an allowance will be made for wear, tear and loss of value, based on the gadget’s age).

(If it’s insured under Additional Specified Items Cover and your claim is accepted, we’ll pay you either the cost of the item or the amount stated on your insurance certificate — whichever is lower.)

Mobile-phone claims

When lodging a claim for a lost or stolen mobile phone you must:

  • give us your phone’s international mobile equipment identity (IMEI) number
  • ask your provider to block the IMEI number (rendering the phone useless).

Tips for safeguarding your gadgets

By following these tips, you’ll reduce the risk of loss or damage to your gadgets and improve the chances of any claim being accepted:

  • get protective cases, screens and covers for your gadgets, to prevent them breaking if your drop them; and waterproof them by packing them in dry bags
  • record your mobile phone’s 15-digit international mobile equipment identity (IMEI) number (which you’ll need to give us if it’s lost or stolen and you make a claim) 
  • back up the data on your devices before and during your trip
  • when you’re on the move, keep your gadgets on your person or in your hand luggage 
  • before getting off planes, trains, buses and taxis, check the seat pockets, overhead lockers and footwells to ensure you don’t leave anything behind
  • when you’re not carrying them, keep your gadgets in your hotel or resort’s safe or security box
  • report any thefts within 24 hours to the police and, if applicable, to the airline, hotel or tour operator you were with when the theft occurred. Ask for a copy of the incident report (to support any claim you make). 

Did you know?

Budget Direct Home and Contents Insurance policyholders who add optional ‘Personal Effects Cover’ to their policy are covered for accidental loss or damage to their belongings anywhere in the world — for up to 30 days of their departure from Australia.

Get a travel insurance quote online