Loss of Baggage & Personal Items

Baggage and Peronal Items

What your insurance covers


Loss of Baggage & Personal Items

One of the most important elements of travel insurance is cover if your baggage and/or personal items are lost, stolen or damaged.

Claims can range from just one item to entire suitcases and can include valuable items. The loss or theft of these items can cause not only inconvenience but distress.

Because we have different policies, please refer to the policy wording of the policy you have purchased. If you have not yet purchased a policy, you can view the policy wording by starting the quotation and booking process of the policy appropriate to your needs.

There are some important things to consider regarding baggage and personal items:

  • Everyone has a duty of care, so any insurer would expect someone to take all reasonable steps to ensure the safety and supervision of their belongings. For example, keeping items in the locked boot or glove compartment of a car, rather than in view on a seat and not to leave items unattended in a public place or where the public has access.
  • If items are lost or stolen, the incident needs to be reported to the policy within 24 hours and a crime number obtained.
  • If baggage has been lost in transit, you need to inform the carrier (eg airline, shipping company etc) immediately and obtain a written carrier's report (or Property Irregularities Report in the case of an airline) within 7 days of the discovery of damage or loss
  • Please read the definition of Valuables in your policy wording. Valuables are covered not only up to a maximum value per item but in total. Travel insurance is not intended to cover the full costs of expensive items, such a laptops and cameras. See below for an alternative means of insuring them.
  • You can claim for the cost of buying replacement necessities if your baggage is delayed after a certain number of hours.

This is not an exhaustive list and your should check not only the baggage and personal belongings section in your policy wording but also the General Exclusions.


Travel insurance pays claims for baggage and personal items on what's called an indemnity basis. That means that depreciation because of the age of items is taken into consideration when calculating their value.

Home contents insurance generally insures items on a new-for-old basis; that is, the cost of replacing the item at the time of loss or theft.

You are therefore better insured for the loss or theft of valuables under your home contents insurance provided that you have insured items to be covered away from home. Please check with your contents insurer that this cover is in place.