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Lost baggage travel insurance

Lost luggage is a problem no traveller wants to face on their holiday. Taking out a travel insurance policy could save you a lot of trouble, should you find that your baggage has been lost by the airline.

Delayed baggage compensation

Under the 'Montreal Convention' you have the right to demand delayed baggage compensation or lost baggage compensation from airlines. While claiming directly from the airline is always worth trying, it can often be tricky and you're not guaranteed to be adequately compensated. Typical compensation from airlines would include, payment for the bare essentials and part of the cost for replacing or repairing lost luggage.

With Holiday Extras personal luggage cover, you are insured up to £2,000 and up to £300 on individual items if your luggage is lost, stolen or delayed.

Claiming lost baggage insurance

When making a claim for lost baggage, either from the airline or with Holiday Extras, there are a few recommended steps to take.

  • Report the incident - As soon as you realise that something is wrong with your baggage, report the problem to the airline. If you intend to claim directly from the airline, you'll stand a better chance of getting compensation if you act quickly. If you aren't able to make the report at the airport, then contact the airline through their website.

  • Property Irregularity report - You will need to fill one of these out, whether you decide to claim from the airline or with Holiday Extras. Property irregularity reports can be obtained at the airport from customer services in the baggage claims hall. It's always a good idea to keep a copy of your PIR as this can really help with your claim.

Important Documents

It's important to have these documents to hand, as many will be necessary items of proof, should your baggage be lost:

  • Boarding Pass - This acts as proof to the airline that you are a legitimate customer.

  • Luggage labels - Having this will make it easier for either us or the airline to trace the location of your lost luggage.

  • Property Irregularity report - This acts as proof that you report the incident to the airline.

  • Proof of purchase - You will need to provide some evidence of your ownership of the lost items. Typically this might be a receipt or credit card statement.

  • Photos of damaged luggage - If your luggage was damaged, then you should provide some photographic evidence of this.

  • Cost estimates - It's helpful to provide a rough estimate for any repairs you're claiming for.

Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.