Flexible to suit your plans
Get fully comprehensive cover for as long as you need it, whether that's one day or a few months
1Accurate as of November 2023
Theft: If any of your belongings are stolen, you should report the theft to your local authorities. With your crime reference number, you can make a travel insurance claim to cover the cost of your stolen possessions
Damage: Your travel insurance can reimburse you if your luggage or personal belongings are damaged during your trip. For evidence, you should take photos of your belongings before your trip to show your insurer if you need to make a claim
Loss: Insurance will cover your possessions if they are lost. If an airline was responsible for your luggage when it went missing, you should report your lost belongings at the airport before leaving the baggage reclaim area
Delay: If an airline is responsible for your delayed luggage, they should be responsible for providing compensation. If your luggage is delayed for a certain amount of time, your travel insurance will compensate you to replace your essential items
Damage or loss that is your fault: Your baggage insurance won't cover incidents that you are responsible for, such as leaving your belongings unattended or intentionally causing damage
Items exceeding the single-item limit: There is a limit to how much compensation you can claim per item. If the value of an item exceeds that amount, your pay-out will only be equal to your maximum per-item limit
Money and passports: Travel money and passports are not typically covered with standard baggage insurance. You will need to take out extra cover to protect these if they are lost or damaged
Items in the care of an airline: It is the responsibility of the airline to compensate passengers for any lost or delayed belongings
Theft that isn't reported within 24 hours: If you don't report the theft of your belongings within 24 hours then you cannot make a travel insurance claim for them. You will also need your crime reference number to claim stolen baggage
Baggage insurance is a type of cover that is usually included as standard with a travel insurance policy. It is designed to protect your belongings and you at the same time while you are travelling. Typically, baggage insurance isn't bought as a standalone insurance. At MoneySuperMarket, we are unable to provide quotes for baggage insurance alone.
If you intend to send unaccompanied luggage overseas or want to insure a package, you would need parcel insurance, which is very different from travel insurance. Parcel insurance would only insure the shipped item and nothing else.
Baggage insurance is typically included as standard with a travel insurance policy, so you don't need to pay extra for this cover
Claim compensation for important belongings
Use pay-outs to replace important items that you can't continue your trip without
You can even insure your suitcases and bags if they've been damaged during your journey
You can make multiple baggage insurance claims on your trip if more than one incident occurs
Items over a certain value need separate insurance
You are not covered for any damage caused by cleaning, repairing, or renovating
Baggage insurance won't cover your belongings while they are in the hands of an airline
Any items that belong to your business or are used for business purposes are not covered
Travel insurance won't cover theft from a vehicle if your belongings aren't locked in a glove box, boot, or luggage box
Baggage cover typically has a single-item limit. This means that you can only claim so much for the value of a single item. This is something to keep in mind as you pack for your trip because you may need to add gadget cover to your policy or take out special insurance for valuables like jewellery. At MoneySuperMarket, we can help you find great value travel insurance for great prices. With just a few questions, we can fetch quotes from top UK travel insurance providers for policies that meet your travel needs and protect your valuable belongings"
The cost of insurance goes up if your trip destination poses greater risk to your health and safety, such as having a higher crime rate or extreme weather
You can tailor your level of baggage cover when you take out travel insurance, with higher levels of cover adding to the cost of your policy
If you take out a single-trip travel insurance policy, the length of your trip will add to the cost of your travel insurance
Younger travellers usually have the cheapest travel insurance and the cost increases as you get older
If your luggage is lost while in the care of an airline, you should be able to claim compensation if your belongings have not been found and returned within 21 days. This is something you are legally entitled to if you checked in your luggage to be stored in the cabin. This is why you should always report any lost luggage to the airline as soon as possible.
To claim lost luggage from the airline, you will usually need to have receipts for the lost items to prove their value. They also tend to have a limit on how much they are willing to offer in compensation.
In some cases, you may get faster results or greater compensation by claiming on your travel insurance rather than chasing after compensation from an airline. However, not every travel insurance policy will cover baggage that’s lost while in the care of an airline. Read your travel insurance documents carefully to find out if your insurance provider will cover you for this.
Travel insurance policies differ when it comes to luggage delay. Some policies won’t cover luggage that’s delayed because it’s seen as the responsibility of the airline. On the other hand, some providers may offer minor compensation to cover the replacement of your essential items until your luggage is recovered. This is something you will need to look for in your travel insurance documents.
If you want to pursue compensation from the airline for your delayed luggage, you should report the problem to the airline straight away. By notifying the airline of the problem immediately, you may have a better chance of having the issue resolved sooner or receiving compensation.
If your luggage is stolen at any point during your trip, you must take the appropriate steps to report the theft to the police as soon as you are aware. To make an insurance claim for stolen baggage, you will need to get a crime reference number from the police to give as evidence to your insurance provider.
Some travel insurance providers have time limits for when you make a report and claim for luggage theft. If you do not report the theft to the policy within this time frame, which is usually 24 hours, they are unlikely to approve a claim for your stolen belongings.
For more help on how to make a claim, you can read our guide ‘How to make a travel insurance claim’.
Excess is a sum of money that you volunteer to contribute to cover part of your loss when you make a claim. For example, if you have an excess of £100 and you make a claim for items valued at £500, your insurer will pay out £400. Increasing your travel insurance excess can reduce the cost of your insurance policy, but it also means that your insurer will pay out less when you make a claim.
Whether your baggage insurance will cover multiple trips depends on the type of travel insurance you own. There are three types to choose from:
Single trip travel cover: You will be covered for a single trip and your cover will end when you return home
Annual travel insurance: Your travel insurance cover will last for a year and cover any trips you make during this time (there are limits to the length of each trip)
Backpacker travel insurance: You will be covered for a long trip that includes travel to multiple destinations
The countries your insurance covers depend on your policy. When you apply for travel insurance, you can choose which countries you will be covered for. Standard options are:
It's important to note that none of these policies will cover countries where the FCDO exempt list has advised against travelling to. Some providers will also have their own list of excluded countries. It's important that you check your policy documents before taking out insurance to ensure your travel destination is covered.
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