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How does Travel Insurance Help in Case of Baggage Loss


How Does Travel Insurance Help in Case of Baggage Loss?

‘You have to get lost before you can be found’ quotes Author Jeff Rasley emphasising on the importance of travel. But it does not hold true when you lose your baggage. Having to worry about luggage on a holiday is one of the last things you want. To get a break from that mundane routine, you decided on a spot, booked your flight in advance, made hotel reservations and bought travel insurance. You put in extra thoughts in packing to ensure you have everything you need for a perfect holiday.

What if you reach your travel destination on a happy note, only to find out that your baggage hasn’t arrived! Thank yourself for being wise enough to buy travel insurance online before setting out on the journey.

How does travel insurance help?

When traveling, there is a high possibility of losing luggage in a mix-up. Fortunately, having a travel insurance protects you from various emergencies including total loss or delay in checked-in baggage. The insurer compensates you for a total loss of checked-in baggage caused by the airline as per your policy. Thus, you can be assured that you are not at loss.

What is the procedure?

There is a reason why you are advised to read your travel insurance policy carefully when you get it. It details all the terms and conditions of the policy and the required procedure to be followed when an emergency strikes. If you do not receive the baggage, contact the airline support staff to confirm the status. Once you are sure that the baggage is lost, obtain a Property Irregularity Report (PIR) immediately from the airline. You will have to submit the PIR while making a travel insurance claim online.

What are the documents required?

Generally, you are required to submit a list of documents to the insurer along with the claim, which may vary from insurer to insurer. These are usually the following:

Insurer’s claim form

PIR report

A letter issued by the airline accepting their liability for loss

The proof of compensation received from airlines

If any of the lost items was more than Rs. 6000, a proof to validate the same

NEFT form and a pre-printed cancelled cheque

Copy of the passport and visa with the entry and exit stamps in India and abroad

How much can you claim for lost baggage?

The insurer compensates for your loss after you have filed the claim for the amount as per your travel insurance policy. The compensation is restricted to maximum 50% of sum assured for per piece of checked-in baggage. If you checked-in just one piece of bag, insurer is liable to pay 100% of the sum assured.

However, there is an asterisk marked on this clause, which indicates that the payment is subject to deductibles. It is an amount to be borne by the insured (i.e. you) for every claim made as specified in the policy on account of cost-sharing.

Make sure you know your policy in and out before you buy it. Coverage of baggage loss by travel insurance ensures that you don’t overshoot your travel budget. Happy holiday!


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Disclaimer :The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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