Portable Contents Insurance

Learn how to keep your portable items covered, at home or on the go. 

GET A CONTENTS INSURANCE QUOTE

The content on this page applies to policies started or renewed on or after 24 May 2025.

OVERVIEW

How to insure your portable contents

Many Aussies have portable items that often leave the house with them — so how can you ensure your Contents Insurance goes too? Whether you’re looking for engagement ring insurance, bicycle insurance, laptop insurance, or coverage for a range of other portable items, GIO can help.

If you have a GIO Contents Insurance, or Home and Contents Insurance, policy — or you’re considering one — you can add the Portable Valuables optional cover, online or over the phone. 

Insured events for Contents Insurance

  • Flood*
  • Storm and storm surge
  • Lightning
  • Fire, including bushfire
  • Earthquake and tsunami
  • Theft or burglary
  • Escape of liquid
  • Impact
  • Damage by an animal
  • Explosion
  • Riot, civil commotion or public disturbance
  • Malicious acts and vandalism

GET A CONTENTS INSURANCE QUOTE

For more detail on these, refer to the PDS.

Some of the portable items we can cover 

Insurance for smartphones and tablets

Coverage at home

Phones and tablets are covered by GIO Contents Insurance if they’re lost or damaged in an insured event that occurs at home.

Coverage outside the home

If you want your phone or tablet to be covered anywhere in Australia or New Zealand, not just at home, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item up to the total sum insured shown on your certificate on insurance, and you don’t need to specify it on your policy.

If your phone or tablet is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable. Doing so will affect your premium.

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

If your device is used primarily for business purposes, it won’t be covered.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Phones and tablets

Insurance for Jewellery

Coverage at home

Jewellery items have a flexible limit — that is, you can increase the limit by specifying items on your policy for an extra premium. If not specified on your policy, the most we’ll pay to replace jewellery depends on your level of Contents Insurance.

If not specified on your policy, the most we’ll pay to replace jewellery depends on your level of Contents Insurance.

  • For a Classic policy, the limit is $2,000 per item or set, up to a total of $4,000 for all items and sets.
  • For a Classic Extras policy, the limit is $3,000 per item or set, up to a total of $10,000 for all items and sets.
  • For a Platinum policy, the limit is $10,000 per item or set, up to a total of $40,000 for all items and sets.

Coverage outside the home

For cover anywhere in Australia or New Zealand, consider Unspecified Portable Valuables optional cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, pair, set or collection, up to the total sum insured shown on your certificate of insurance. If your item is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable.
Adding Unspecified or Specified Portable valuables to your policy will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

Establishing value

If you claim for a valuable piece of jewellery, we may ask for:

  • a proof of purchase
  • a valuation from a professional valuer, and
  • a photo of the item.

Jewellery items that are being exhibited, or are up for sale — for example, at an auction house — won’t be covered.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Jewellery

Insurance for bicycles

Coverage at home

Bicycles and also personal transportation vehicles (which include e-bicycles) will be covered by GIO Contents Insurance if they’re lost or damaged in an insured event that occurs at the insured address. As we cover contents at the insured address your bicycle and e-bicycle don’t need to be in the house — theft from, or damage that occurs within a shed or garage at the insured address will also be covered.

Coverage outside the home

To ensure your bicycle (not an e-bicycle see below) is covered even when it’s out and about with you, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies (for an additional premium).

We’ll pay up to $1,000 per bike, up to the total sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy.

If your bicycle is worth more than $1,000 and you want it covered up to its full value or you have an e-bicycle which is a personal transportation vehicle, you can specify it as a Portable valuables – specified item for an additional premium.

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

Bicycles (not e-bicycles) won’t be covered if the incident for which you want to claim occurred while you were using the bike for racing or pace-making. 

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Bicycles

Insurance for laptops

Coverage at home

Laptop computers are considered part of your contents and will be covered by GIO Contents Insurance if they’re lost or damaged in an insured event at home.

There’s no need to specify a laptop or its value on your policy to have its repair or replacement costs covered in a successful claim, assuming that your overall sum insured is enough to cover all affected contents.

Coverage outside the home

If you want your laptop to be covered anywhere in Australia or New Zealand, not just at home, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, up to the total sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy.

If your laptop is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable. Adding Unspecified or Specified Portable valuables to your policy will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

GIO Contents Insurance doesn’t cover portable items that are primarily used for a business activity, so the information here applies to laptops dedicated to personal use.

We also won’t pay for the restoration of electronic data or files, unless they were legally purchased and you can’t restore them for free.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Laptops

Insurance for drones

Coverage at home

Drones are considered part of your contents and will be covered by GIO Contents Insurance if they’re lost or damaged in an insured event at home.

There’s no need to specify a drone or its value on your policy to have its repair or replacement costs covered by a successful claim, assuming that your overall sum insured is enough to cover all affected contents.

Coverage outside the home

To ensure that a drone is covered while it’s outside the home — but not when it’s in use — it must be insured as a Specified Portable valuable item for a sum insured that you choose, for an extra premium. Except if you have Platinum contents cover, as drones are automatically covered outside the home for accidental loss or damage when not in use.

What’s not covered

We don’t cover drones while they’re in use under Specified Portable valuables cover. We also don’t cover your liability for injury or property damage caused by the use of a drone.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Drones

Insurance for cameras

Coverage at home

Cameras — and other photographic equipment like lenses and lighting equipment — are considered part of your contents. They will be covered by GIO Contents Insurance if they’re lost or damaged in an insured event at home.

There’s no need to specify a camera or its value on your policy, assuming that your overall sum insured is enough to cover all affected contents.

Coverage outside the home

If you want your camera to be covered anywhere in Australia or New Zealand, not just at home, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, up to the total sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy.

If your camera is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable. Adding Unspecified or Specified Portable valuables to your policy will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

We don’t cover the costs of recovering corrupted or lost files, including photos and videos. So, while we can help repair or replace your camera equipment, you should still consider proper backup procedures for your photos and videos.

We also won’t cover cameras that are used primarily for a business purpose.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Cameras

Insurance for watches

Coverage at home

Watches have a flexible limit — that is, you can increase the limit by specifying a watch on your policy for an extra premium.

If not specified, the most we’ll pay to replace a watch depends on your level of Contents Insurance.

  • For a Classic policy, the limit is $2,000 per item or set, up to a total of $4,000 for all items and sets.
  • For a Classic Extras policy, the limit is $3,000 per item or set, up to a total of $10,000 for all items and sets.
  • For a Platinum policy, the limit is $10,000 per item or set, up to a total of $40,000 for all items and sets.

Coverage outside the home

For cover anywhere in Australia or New Zealand, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, pair, set or collection, up to the sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy. If your watch is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable. Adding Unspecified or Specified Portable valuables to your policy will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Watches

Insurance for musical instruments

Coverage at home

Musical instruments are covered by GIO Contents Insurance if they’re lost or damaged in an insured event that occurs at home — for example, a burglary, or a storm.

Coverage outside the home

If you want your instruments to be covered anywhere in Australia or New Zealand, not just at home, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, pair, set or collection, up to the total sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy.

If your instrument is worth more than $1,000 and you want it covered up to its full value, you’ll need to specify it as a Specified Portable valuable. Adding Unspecified or Specified Portable valuables will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

Instruments won’t be covered if they’re used primarily for a business activity.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Musical Instruments

GET A CONTENTS INSURANCE QUOTE

This isn’t a complete list. Please see the Product Disclosure Statement for more detail.

GIO PLATINUM CONTENTS

Australia-wide cover with Platinum Contents

GIO Platinum Contents, our highest level of cover, will cover your belongings whether they’re at home or anywhere else in Australia or New Zealand. It costs more than Classic or Classic Extras policies, but it means you may not have to worry about specifying individual items.

Limits and exclusions apply. Refer to the PDS for details.

How to make a claim

If you need to make a claim for Portable Valuables cover, you may be required to provide information such as proof of purchase, or valuations. You can lodge your claim online whenever suits you, and if further info is required, we’ll let you know.

In the know

More about Home Insurance

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What does GIO Home and Contents Insurance cover?

What is and isn’t covered by GIO Home and Contents Insurance? From fires, floods, and accidental damage, we provide some simple answers to these important questions.

How to insure your portable valuables

Your portable valuables, like jewellery, phones, cameras and more, can be lost or damaged anywhere – not just at home. Make sure your insurance covers them.

A guide to Home Insurance during renovations

If you’re planning a renovation, Home Insurance may not cover incidents related to the work. Here’s how you may be able to keep your house insured.

Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Read the Product Disclosure Statement before buying this insurance. Go to gio.com.au for a copy. The Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

* Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). Other exclusions apply.

Insurance for smartphones and tablets

Coverage at home

Phones and tablets are covered by GIO Contents Insurance if they’re lost or damaged in an insured event that occurs at home.

Coverage outside the home

If you want your phone or tablet to be covered anywhere in Australia or New Zealand, not just at home, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item up to the total sum insured shown on your certificate on insurance, and you don’t need to specify it on your policy.

If your phone or tablet is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable. Doing so will affect your premium.

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

If your device is used primarily for business purposes, it won’t be covered.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Insurance for Jewellery

Coverage at home

Jewellery items have a flexible limit — that is, you can increase the limit by specifying items on your policy for an extra premium. If not specified on your policy, the most we’ll pay to replace jewellery depends on your level of Contents Insurance.

If not specified on your policy, the most we’ll pay to replace jewellery depends on your level of Contents Insurance.

  • For a Classic policy, the limit is $2,000 per item or set, up to a total of $4,000 for all items and sets.
  • For a Classic Extras policy, the limit is $3,000 per item or set, up to a total of $10,000 for all items and sets.
  • For a Platinum policy, the limit is $10,000 per item or set, up to a total of $40,000 for all items and sets.

Coverage outside the home

For cover anywhere in Australia or New Zealand, consider Unspecified Portable Valuables optional cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, pair, set or collection, up to the total sum insured shown on your certificate of insurance. If your item is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable.
Adding Unspecified or Specified Portable valuables to your policy will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

Establishing value

If you claim for a valuable piece of jewellery, we may ask for:

  • a proof of purchase
  • a valuation from a professional valuer, and
  • a photo of the item.

Jewellery items that are being exhibited, or are up for sale — for example, at an auction house — won’t be covered.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Insurance for bicycles

Coverage at home

Bicycles and also personal transportation vehicles (which include e-bicycles) will be covered by GIO Contents Insurance if they’re lost or damaged in an insured event that occurs at the insured address. As we cover contents at the insured address your bicycle and e-bicycle don’t need to be in the house — theft from, or damage that occurs within a shed or garage at the insured address will also be covered.

Coverage outside the home

To ensure your bicycle (not an e-bicycle see below) is covered even when it’s out and about with you, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies (for an additional premium).

We’ll pay up to $1,000 per bike, up to the total sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy.

If your bicycle is worth more than $1,000 and you want it covered up to its full value or you have an e-bicycle which is a personal transportation vehicle, you can specify it as a Portable valuables – specified item for an additional premium.

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

Bicycles (not e-bicycles) won’t be covered if the incident for which you want to claim occurred while you were using the bike for racing or pace-making. 

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Insurance for laptops

Coverage at home

Laptop computers are considered part of your contents and will be covered by GIO Contents Insurance if they’re lost or damaged in an insured event at home.

There’s no need to specify a laptop or its value on your policy to have its repair or replacement costs covered in a successful claim, assuming that your overall sum insured is enough to cover all affected contents.

Coverage outside the home

If you want your laptop to be covered anywhere in Australia or New Zealand, not just at home, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, up to the total sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy.

If your laptop is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable. Adding Unspecified or Specified Portable valuables to your policy will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

GIO Contents Insurance doesn’t cover portable items that are primarily used for a business activity, so the information here applies to laptops dedicated to personal use.

We also won’t pay for the restoration of electronic data or files, unless they were legally purchased and you can’t restore them for free.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Insurance for drones

Coverage at home

Drones are considered part of your contents and will be covered by GIO Contents Insurance if they’re lost or damaged in an insured event at home.

There’s no need to specify a drone or its value on your policy to have its repair or replacement costs covered by a successful claim, assuming that your overall sum insured is enough to cover all affected contents.

Coverage outside the home

To ensure that a drone is covered while it’s outside the home — but not when it’s in use — it must be insured as a Specified Portable valuable item for a sum insured that you choose, for an extra premium. Except if you have Platinum contents cover, as drones are automatically covered outside the home for accidental loss or damage when not in use.

What’s not covered

We don’t cover drones while they’re in use under Specified Portable valuables cover. We also don’t cover your liability for injury or property damage caused by the use of a drone.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Insurance for cameras

Coverage at home

Cameras — and other photographic equipment like lenses and lighting equipment — are considered part of your contents. They will be covered by GIO Contents Insurance if they’re lost or damaged in an insured event at home.

There’s no need to specify a camera or its value on your policy, assuming that your overall sum insured is enough to cover all affected contents.

Coverage outside the home

If you want your camera to be covered anywhere in Australia or New Zealand, not just at home, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, up to the total sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy.

If your camera is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable. Adding Unspecified or Specified Portable valuables to your policy will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

We don’t cover the costs of recovering corrupted or lost files, including photos and videos. So, while we can help repair or replace your camera equipment, you should still consider proper backup procedures for your photos and videos.

We also won’t cover cameras that are used primarily for a business purpose.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Insurance for watches

Coverage at home

Watches have a flexible limit — that is, you can increase the limit by specifying a watch on your policy for an extra premium.

If not specified, the most we’ll pay to replace a watch depends on your level of Contents Insurance.

  • For a Classic policy, the limit is $2,000 per item or set, up to a total of $4,000 for all items and sets.
  • For a Classic Extras policy, the limit is $3,000 per item or set, up to a total of $10,000 for all items and sets.
  • For a Platinum policy, the limit is $10,000 per item or set, up to a total of $40,000 for all items and sets.

Coverage outside the home

For cover anywhere in Australia or New Zealand, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, pair, set or collection, up to the sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy. If your watch is worth more than $1,000 and you want it covered up to its full value, you can specify it as a Specified Portable valuable. Adding Unspecified or Specified Portable valuables to your policy will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.

Insurance for musical instruments

Coverage at home

Musical instruments are covered by GIO Contents Insurance if they’re lost or damaged in an insured event that occurs at home — for example, a burglary, or a storm.

Coverage outside the home

If you want your instruments to be covered anywhere in Australia or New Zealand, not just at home, consider Unspecified Portable valuables cover, which is:

  • included with Classic Extras policies, and
  • optional with Classic policies.

We’ll pay up to $1,000 per item, pair, set or collection, up to the total sum insured shown on your certificate of insurance, and you don’t need to specify it on your policy.

If your instrument is worth more than $1,000 and you want it covered up to its full value, you’ll need to specify it as a Specified Portable valuable. Adding Unspecified or Specified Portable valuables will affect your premium (depending on your level of cover for Unspecified Portable valuables).

Platinum contents policies have automatic cover for contents away from the home. Please read the PDS for full details and limits.

What’s not covered

Instruments won’t be covered if they’re used primarily for a business activity.

Learn more about Contents Insurance

This is just a summary. For more information about limits, exclusions and eligibility, please refer to the PDS.