Portable items are covered for loss, theft and accidental damage. CGU cover up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU don’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU don’t cover bicycles while they’re being used in a competitive race or time trial. A portable contents excess may apply, read the Premium, Excess and Discounts Guide