Updated on 10/04/2025
Losing luggage is one of the most frustrating experiences that can happen while travelling. It can be inconvenient, stressful, and even expensive. This circumstance is nothing short of a nightmare for anyone travelling, regardless of how often they do it. Your luggage may be taken from the baggage collection belt, misplaced in transit, or disembarked from an aeroplane while you are travelling from one nation to another. Baggage insurance is crucial for your trip. Let’s delve deep and see how travel insurance lost baggage can save the day for you in such unexpected circumstances.
How to Claim Lost Baggage?
You must first look at the coverage provided by travel insurance for checked-in baggage to determine the highest amount you can claim to secure your luggage when travelling. Always get lost luggage insurance that includes coverage for delayed baggage. When your luggage goes missing, there could be two scenarios — one where your luggage gets lost temporarily and the other when you lose your luggage permanently.
Travel insurance providers will compensate the cost of any interim purchases of food, medicine, and personal items in the event of a temporary loss. However, one must wait 24 hours if their luggage is lost permanently.
The airline provides you with a tracking card while it searches for the luggage. You may be able to file a claim for missing luggage under your travel insurance if the airline is unable to find and deliver your baggage.
Here are the steps on how to claim insurance for lost baggage:
1. Notify the Authorities
The PIR or Property Irregularity Report is a document that will help you track your luggage and file a claim with your insurance company.
2. Retain All Documentation
You will need to gather the following documentation to file a claim with your insurance company:
- Your travel insurance policy
- Tickets
- Luggage details
- Copy of the PIR
- List of the contents of your luggage
- Proof of purchases
3. Contact Your Insurance Provider
Inform your travel insurance provider about the lost baggage promptly. Provide them with all necessary details and documentation to initiate the claim process.
4. Complete the Claim Form
Fill out the claim form provided by your insurer accurately and comprehensively. Attach all supporting documents, such as the FIR, receipts of lost items, and any other relevant evidence. You can submit your claim online or by mail. The online submission process is faster, but you can also mail your claim to the address of your insurance company’s Claims Department.
5. Review Your Policy
Before submitting your claim, review your travel insurance policy to understand the coverage limits, exclusions, and the claims procedure. This will help you set realistic expectations and ensure your claim aligns with the policy terms.
6. Wait for the Claim Assessment
Your insurer will review your claim and process it within 30 days. If your claim is approved, you will get reimbursed for the lost or damaged items.
7. Claim Settlement
Once the assessment is complete, the insurer will inform you of the claim decision. If approved, you will receive compensation as per the policy terms. If denied, the insurer should provide a clear explanation for the rejection.
Importance of Travel Insurance
Travel insurance plays a vital role in providing financial protection against unforeseen events during your journey. In cases of lost baggage, a comprehensive travel insurance policy can offer compensation for the value of your belongings, helping you recover from the loss without bearing the full financial burden. Additionally, it can cover other unexpected incidents, such as medical emergencies, trip cancellations, and delays, ensuring a safer and more secure travel experience.
Conclusion
It’s advisable to file your claim as soon as possible after your luggage is lost. Keep a copy of all your documentation in a safe place. Be as detailed as possible when describing the contents of your luggage. And it is important to opt for single trip travel insurance for lost baggage. This will act as a safety net and help you recover the costs associated with such unanticipated situations.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.