Whether you are taking your whole wardrobe for an extended trip or an overnight bag for a short trip, it is important that you have purchased a Travel Insurance policy that covers your baggage.
What are the limits on Baggage cover
Travel Insurance policies usually have an upper limit on personal possessions and valuables that can be covered for loss and theft as well as damage. If you have particular items that you want cover for, that are above the single item limit, then you need to check the limits on the policy that you wish to purchase.
It is important to note that Mobile Phones are not covered by a Travel Insurance policy, you would need to get separate cover for your phone. This can be done through our policy that can be found online at: www.jsphoneinsurance.co.uk
Common exclusions with Baggage cover
One of the main exclusions is that if baggage or case is unattended. for example in the hold of a plane or the boot of a car, are unlikely to be covered under a travel insurance policy.
Another typical exclusion is relates to reporting a theft or loss of an item or a suitcase the the relevant authority, such as the police or loss property. Without the correct proof, you might find your claim being rejected.
Airlines and Baggage
Luggage lost on a temporary basis, might not be the responsibility of your travel insurance provider. If your baggage has not arrived at your destination, then the airline should compensate you for the items you need immediately, such as toiletries and basic day to day stuff that you can't do without. After a period of 12 hours, you should be able to make a claim against your travel insurance policy, as long as you have purchased a policy that covers baggage delay.
What if the airline damages your bags ?
When you get your bags from the carousel, you should check immediately for any damage to the item and then report it before you leave the airport. You will need this paperwork if you are going to make a claim.