Luggage insurance
Worldwide protection in the event of loss, damage or theft while traveling

Luggage insurance is particularly useful for items with a high value, such as an expensive camera, laptop, tablet or other expensive electronic devices that you take with you on your vacation. Of course, this also applies to other expensive items that should also be covered by luggage insurance , such as art or jewelry, etc. - Regardless of whether you have planned your trip by plane, train or otherwise. Highly recommended, especially for musicians with their own instruments.

It is therefore advisable to take out baggage insurance for all trips to cover the financial consequences of damage at a reasonable price.

In the linguistic usage of the insurer, this is referred to as an insured event. Depending on the provider and contract, the insurance covers loss of or damage to luggage. This can either be checked in or carried personally. Another insured event is the delayed arrival of separately checked-in luggage at the destination. In this case, the claim relates to the reimbursement of the documented costs of replacement purchases.

The insurance also covers the necessary expenses for the recovery of the lost luggage. For luggage insurance, the principle applies that everything, but only that which is included in the insurance contract is insured. Or to put it the other way round: what is not in the contract is not insured and is not a claim.
Against this background, a luggage insurance comparison is as helpful as it is necessary. When concluding a contract, it is not only necessary to pay attention to exclusions of benefits, but also to all eventualities and possibilities that are not even mentioned.

Partial - Damage caused by damage, destruction or loss of checked baggage is insured. However, not all types of improper handling are covered. For example, damage caused by wear and tear or use is excluded.

Not insured are

• Borrowed musical instruments
• Cash
• securities
• tickets
• Certificates and documents of all kinds
• Items with a predominantly artistic or collector's value
• contact lenses
• Prostheses of any kind
• Sailing equipment
• Hang gliders
• Land, air and water vehicles, each with accessories, if they are in intended use
• Furs, jewelry, objects made of precious metals as well as cameras, film cameras and video systems are not insured in unattended parked motor vehicles or trailers and in unattended water sports vehicles
• Risks due to wars, strikes, confiscation
• Risks arising from the use of chemical and biological substances
• Dangers of nuclear energy
• Leaving gifts or travel souvenirs lying, standing or hanging
• Skis without a factory number / rented or hired skis

Yes, the maximum sum insured for your own musical instruments is 1,000 euros.

Each insurer is free to decide how to structure luggage insurance in detail. This is the main reason for a detailed luggage insurance comparison.

Every insurance contract includes the General Terms and Conditions, and in travel law often also a supplementary tariff overview. Luggage can be insured with or without a deductible (excess) per claim.
With excess, the insurance premium is reduced because the insurer's claim risk is correspondingly lower. The claim should be reported very promptly; with today's communication options, this is no problem worldwide. The insurer expects the injured party to submit original receipts in order to reimburse the damage incurred in the event of a claim. This applies in particular to the replacement purchase of luggage that arrives at the destination/holiday destination significantly late or not at all.

The insured person must actively cooperate and document the claim in a way that is comprehensible to the insurer. In general, notebooks, photo and video cameras and their accessories are only insured up to half of the sum insured, whereas cash is not insured at all or only to a very limited extent.

In this precarious situation, the insurer must be informed of the claim as soon as possible. For its part, the insurer checks whether this is an insured claim. If so, the injured party is on the safe side.
Direct contact with the insurer is essential. The injured party should be aware that they must substantiate their claim and, in case of doubt, prove it.

In the event of robbery or theft, depending on the amount of the insured event, the submission of a police report is expected. Each insurance company offers its own individual claims management service. The spectrum ranges from 24-hour telephone support or online claims reporting to online chat. Potential policyholders can find out more about this in a luggage insurance test online or offline.

It is also expected that the airline or airport operator at the location of the claim will provide confirmation of the claim. Each insurer has a claims form that is available both online and in printed form. If the insurance policy is part of the travel documents in your hand luggage, it is immediately available with all the necessary information in the event of a claim.

Yes, our luggage insurance offers you worldwide protection. Whether you are traveling for business or pleasure, you will always enjoy a good feeling of security and financial protection.

Yes, luggage insurance can be taken out flexibly up to immediately before departure.

Read our claim examples 2 and 3 on the subject of baggage on flights.

1. Burglary in vacation apartment
   A locked vacation apartment was broken into while on vacation. The luggage was stolen and damaged. A criminal complaint and the police report are required for an insurance benefit. Whether cash or jewelry is insured depends on the insurance contract.
2. Lost baggage
   The checked baggage did not arrive at its destination. In certain countries, the airline pays compensation of approx. 1,400 euros. In other cases, the passenger receives nothing unless they have baggage insurance. In the event of loss, the airline must issue a confirmation, which is required for the insurance claim.
3. Delayed baggage and replacement purchase
   The baggage arrived late at the vacation destination and was not delivered until the next day. The insured person can make necessary replacement purchases, although the amount reimbursed varies depending on the insurance. Proof of purchase is required and the reimbursement of foreign currency fees depends on the goodwill of the insurer.