Luggage and personal effects means any personal items owned by you and that you take with you, or buy, on your Journey and which are designed to be worn or carried about with you.
This includes items of clothing, personal jewellery, photographic and video equipment, personal computers, electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade.
For more details about what luggage and personal effects are covered, please refer to Section 2 of the Product Disclosure Statement (PDS).