Is baggage insurance worth it?

What if my bags are stolen?

Your travel insurance should cover this too.

If your bags are stolen, make sure you report the theft to the police as soon as you’re aware. You’ll need to get a crime reference number from them to complete your claim.

It’s really important you report the theft promptly, as some policies have exclusions if a theft is not reported within a certain time limit.

Are there situations my luggage insurance won’t cover?

Yes. Most travel policies have exclusions when it comes to dealing with your baggage cover.

For example, if you leave your luggage unattended and something happens to it, you may find your insurance won’t cover it.

This is why you should always take a moment to read through your insurance provider’s policy very carefully.

What does “policy excess” mean on my baggage coverage?

The excess on an insurance policy is the amount that you’ll have to pay per claim for each insured person before the insurance provider will pay out anything towards your claim. On baggage cover this is usually between £50 and £200, but it does vary and can be higher.

When comparing travel cover, there’s always a trade-off to consider between the cost of the insurance cover and the amount of the excess. Often, the greater the excess, the lower the cost of cover may be.

Because of this, be wary of simply buying the cheapest cover – it could well mean a higher excess, which could be more than your baggage is actually worth!

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