It is rare that travel takes place without luggage as short as they are. Since accidents happen too fast, it is only when we see the damage you realize that buying insurance on luggage was really necessary. However, this decision should not be taken lightly or hastily, because like any insurance, the one on the luggage also has its peculiarities and limitations that deserve to be known before entering.


Bags and bags are still part of the trips we undertook. Inside, the objects of all kinds are made by type of trip. Some of these objects have monetary values ​​while others are rather sentimental. But if you chose to take them is that they each have their usefulness. Thus, the success of a stay may depend on their presence and a delay in delivery of baggage, loss or damage becomes catastrophic and detrimental. It is therefore important to deal with any eventuality by taking out a baggage insurance.

The basic principles of baggage insurance

The insurance on luggage is one of the services that are offered by insurance companies or travel agencies. And like all other products of this type, it only after accidents. Of course, insurers can not do anything about the passengers’ baggage, as they are the responsibility of the carrier or the institution hosting the owner. Baggage insurance does in case of loss, theft or damage to them. Sometimes this type of insurance comes into play for delays in delivery by the carriers. Thus, when these cases arise, the traveler who has taken out such insurance will be paid by the insurer for any inconvenience this may have caused.

It is true that the goods, which include luggage, traveling under the responsibility of a carrier is already assured. But the amount to be paid to the owners of luggage does not fill the entire value of the objects. These refunds from the carriers are assessed a modest 30 to 40 € per kilo. This is why taking out specific insurance on baggage is interesting. Indeed, insurers pay a bit more, if ever the baggage was lost or damaged. This type of insurance is not mandatory but if we want to benefit would require the purchase is made before the start. Insurance is also available with other services is the most common modification, cancellation insurance. For some travelers who use high-end cards, the cards often include baggage insurance. Finally, in order to receive reimbursement, the traveler who has signed this type of insurance should first have in hand the bills of objects that are needed to confirm the value of lost or stolen items.

The operation of the baggage insurance

First, we should therefore take out insurance before each ride. The following procedures will then depend on the extent of the damage. If the luggage has been lost along the way while they were still under the responsibility of the carrier, a statement including a list of objects and their value must be sent to the carrier and the insurer. For the case of a flight, apart from the statements that should be provided to local authorities, the carrier or hotel establishment should also be notified. Finally, in cases of damage to baggage, a finding of damage in the presence of the carrier’s agent or possibly a witness, as well as photos taken will be made. In the event effectively the responsibility of the carrier or hotel establishment is engaged, the refund should be done within a few days.

By cons, like other types of insurance, covering baggage that is also limited. First, money and jewelry and credit cards are never refunded if lost in a bag. It is up to each traveler personally take all precautions for these types of objects by taking with him or leave them in the trunk of his hotel. Some object types are also the subject of another insurance option and are not covered by insurance luggage. Among these objects are fragile items and products such as cameras and cameras and computers. The refund could not also be responsible for damage if returned to the insured. Thus the loss, theft or deterioration of its objects are not covered if they are due to the negligence of the insured. Finally, there are some countries and destinations in which such insurance on baggage are no longer valid.