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While travelling, your baggage and personal effects may be delayed, damaged or even lost. Baggage insurance covers your personal effects during your trip and your return for loss, theft, delay and damage.
What does baggage insurance cover?
Checked baggage, clothes and personal effects, cameras, computer equipment whether it was rented, belongs to you or was entrusted to you during your trip. The insurer reserves the right to repair or replace the damaged or lost items with items of same quality and value: the warranty of the insurer is limited to the actual cash value of the items.
However, in the case where the baggage has been checked by a common carrier or has disappear while in the care of the hotel operator, the insurer will reimburse eligible expenses only in excess of those reimbursable under any other source. For example: the third-party liability of the hotel operator.
Baggage and personal effects claim
You must notify the assistance company as soon as possible, ideally within 24 hours. In case of theft, burglary or malicious mischief, you must notify and obtain supporting documentary evidence from the police immediately upon discovery. Failure to report the loss to the police shall invalidate any claim under the insurance for such loss.
It is important to be aware of the benefits and exclusions pertaining to your baggage insurance policy. Consult with your advisor for the general terms and conditions of your baggage insurance policy.