What happens if an insured item is not at my home when it’s damaged/lost?
We may cover your belongings if they’re damaged or lost while away from home in situations such as:
- while they’re in transit within Australia – for example, during a relocation to your new permanent address
- while they’re in commercial storage
- or while they’ve been temporarily moved to another residence in Australia where you’re temporarily staying, or stored in a bank deposit box in Australia, for up 180 days (or for the period of insurance if stored in a bank deposit box).
If you’re referring to items that you normally carry with you when you’re away from home – such as your mobile phone, jewellery, camera, bike, or laptop – then these are referred to as ‘‘Portable valuables’. Portable valuables aren’t always automatically covered, but you can add the optional cover to your policy for an extra premium.
