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Luggage insurance

Online booking of luggage insurance

Luggage insurance can be taken out only in combination with other travel insurances as additional insurance in connection with the insurance package - not on its own.

When booking online insurance, also select the insurance package with the corresponding tariff that already includes baggage insurance.

Example:  In the calculation tool (blue box above), simply select "For whom" and "Insurance for" accordingly. For example, if you would like to take out health insurance abroad and luggage insurance, simply select the corresponding tariff for the additional benefits package including luggage insurance.

What is a luggage insurance?

As the term makes clear, this is an insurance policy which covers all aspects of travel and the associated luggage. A travel insurance is always of great importance, regardless if you go on vacation or on a business trip. On one hand, the financial value of the luggage is usually in the four-digit range. On the other hand, every single piece of carefully assembled luggage is urgently needed during the journey. If it gets lost, it must be possible to arrange for a replacement as quickly, easily and inexpensive as possible. Therefore, the luggage must be insured according to its value.

Luggage insurance comparison

A luggage insurance test always includes a luggage insurance comparison. We take care of this for you. Depending on the provider, the luggage travel insurance is insured either on a personal basis or in the total amount of the insured sum. Here, the luggage travel insurance is limited to a maximum amount. The term luggage insurance applies to the group of travel insurances as property insurances. These include travel cancellation insurance, travel health insurance, insurance, travel accident insurance and travel rebooking insurance.

When is a luggage insurance worthwhile?

The luggage insurance is always worthwhile if, for example, an expensive camera, laptop, tablet or other electronic devices are taken as luggage on the holiday trip. This also applies of course to other valuable items which should also be covered by luggage insurance, such as art or jewellery, etc. . whether you have planned to travel by plane, train or otherwise. The luggage insurance is also highly recommended for musicians with instruments.

What are the benefits of luggage insurance?

In case of benefit:

In the language of the insurer, one differentiates between an insured event and an event which is not insured. Depending on the provider and the contract, the insurance will apply in the case of loss or damage of the luggage.

Another case is if the arrival of the separately checked baggage at the travel destination is delayed. In this situation, the benefit case refers to the reimbursement of the costs proven through receipts for replacement purchases. The necessary expenses for the recovery of lost luggage are also insured. For luggage insurance, the principle applies that only the things included in the insurance contract are insured. Or to put it the other way round: what is not listed in the contract is not insured and does not qualify as an insured event.

Consequently, a luggage insurance comparison is not only helpful but also necessary. Thus, when concluding a contract, attention must be paid not only to exclusions of benefits, but also to all eventualities and possibilities that are not mentioned at all.


What should be considered when concluding a baggage insurance policy?

  • If you are traveling with a group of people, such as your family, you have to insure not only the proportional luggage of the policy holder but also that of all other persons. This might seem self-evident but must nevertheless be an integral part of the contract.

  • If the insured luggage is subject to a maximum sum, then it should include everything for personal travel needs, including clothing worn, the contents of hand luggage, merchandising and more. At this point, reference is again made to defined exclusions of benefits and non-performance because they are not an integral part of the contract.

  • In many cases, this is mentioned only on the margins of the general terms and conditions or in small print, that the insurer does not always have to replace everything but also has to reimburse the repair costs or in individual cases only the repair costs.

  • Luggage is particularly well insured if damage caused by a third party is also reimbursed, for example, if a fellow traveller is involved. This risk should also be covered as it qualifies as a vandalism benefit case.

  • The significant question in all cases of compensation for damages is "value as new or current value". Only the value as new makes a luggage insurance sensible.

What does luggage insurance cost?

Luggage insurance is available from Bernhard in an additionally selectable package together with, for example, international health insurance or liability insurance, from just a few cents per day.

More details on luggage insurance

What do I have to do if I want to insure my luggage?

The insurer is free in his decision about the individual form of luggage insurance. This is the main reason for a more accurate luggage insurance comparison. Every insurance contract includes the General Terms and Conditions, and in travel law often also a supplementary overview of the prices. Luggage can be insured with or without a deductible (SB) for each claim. With SB, the insurance premium is reduced because the insurer's default risk is lower. The claim should be reported as soon as possible; with today's communication options, this is usually no problem. The insurer expects the injured party to present original receipts in order to reimburse the damage incurred in the event of a claim. This applies above all to the replacement purchase of luggage that arrives very late or not at all at the travel destination.

The insured person must actively participate and document the claim in a comprehensible manner to the insurer. In general, notebook, photo and video camera, along with the respective accessories are only insured up to half of the insured sum, cash, on the other hand, is either not at all or only to a very limited extent insured.

What if the luggage is lost, damaged or stolen?

In this unfortunate situation, the insurer must be informed of the claim as soon as possible. In turn, he checks whether this is an insured benefit case. If so, then the injured party is on the safe side. Important is to be in direct contact with the insurer. The injured parties should be aware that they must prove their claim in case of doubt.

In case of robbery or theft, the submission of a police report is usually required. Each insurance company has its own individual claims management. The spectrum ranges from 24-hour telephone support or online damage reports to online chats. The potential policy holder can obtain more detailed information on this in a luggage insurance test online or offline.

The submission of a damage confirmation from the airline or the airport operator at the place of damage is usually also required. Every insurer has a claim form which is available both online and in print. If the insurance policy is part of the travel documents of the hand luggage, it is immediately available with all necessary information needed in the event of damage.

Luggage insurance damage cases

Example 1
During your stay in a rented vacation home someone has broken in and stolen parts of your luggage. The door was properly locked during your absence. When you returned, the door was broken open, the interior was destroyed and your luggage was either stolen or damaged. This is a typical benefit case for the insurer because it is a crime committed by a third party. Condition for the case is the criminal complaint at the local police station. The offence will be recorded and prosecuted under the relevant file number. This police protocol is the basis for settling the claim for damages with the insurer. Whether cash or personal jewellery are also insured depends on the individual insurance policy

Example 2
The baggage that you checked in separately does not reach its destination at all and gets lost along the journey. For countries within the European Union and for countries that are members of the Montreal Convention, the booked airline pays a flatrate compensation of 1,000 SDR as an interstate artificial currency; this is approximately 1,400 euros. In other cases, the passenger will not receive anything, unless he has insured his luggage himself. In this case, you need help. Reach out to the airline, as it must confirm the loss of the luggage in writing. This confirmation is the basis for your claim.

Example 3
Your arrival at the holiday destination starts without your luggage, because it does not appear, even after a long wait at the baggage claim. You hope that it will be on board of the flight which arrives the next day. If the baggage is delivered on the next day undamaged, this is still an insured claim due to the delayed arrival of the baggage. For the period of one day and one night, the insured is entitled to obtain the necessary replacement purchases up to a maximum amount, which varies depending on the insurer. This is listed in the luggage insurance policy, in small print or in the general terms and conditions Everything must be carefully documented and proven through original receipts. Whether the insurer also reimburses the foreign currency fee for the credit card statement, however, is a question of goodwill.

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