BAGGAGE INSURANCE
FOR LOST AND DELAYED LUGGAGE

What documents do I need to make a baggage claim on my travel insurance?

Delayed baggage

If your baggage is temporarily lost on the outward journey and you’re without it for more than 12 hours, we’ll pay for the replacement of essential items so that you can enjoy the start of your holiday regardless. Delayed baggage is available on Saga Standard and Saga Plus policies only.

Just make sure you:

• Keep the receipt for everything you buy
• Get written confirmation from your airline of the number of hours you were without your baggage.

Unfortunately, you can’t claim if your baggage was delayed or detained by customs or other officials.

Lost, stolen or damaged baggage

There is cover here on all Saga Travel Insurance policies so if your baggage is lost or damaged by an authority or a transport company (not an airline), or a hotel, you need to:

• Report the details of the loss or damage to them in writing
• Get written confirmation back from them.

If your personal belongings or baggage are lost or damaged by an airline you must:

• Get a property report from your airline
• Give written notice of the claim to the airline within the time limit in their conditions of carriage – you should also keep a copy
• Keep all travel tickets and tags.

If your claim is for lost or stolen personal possessions, you’ll need to:

• Report to the police within 48 hours of being discovered and get a written report
• Provide proof of ownership and value of items lost
• For money claims, currency conversion slips/copy of bank/building society statements or a letter from your bank confirming withdrawal of funds prior to the trip.

Please note that the single article limit on your policy (see table below) may mean it does not provide sufficient cover for expensive items such as jewellery and photographic or video equipment – these items can usually be insured separately under your home insurance.