Baggage Insurance

If the entire piece of your check-in baggage gets lost and does not reach your place of destination, which was in the custody of the common carrier, we will be liable to compensate you for the loss. This could happen due to misdirection by the common carrier or theft. However, to avail of the benefits, it is important to be a ticketed passenger.

The reimbursement amount of the entire lost baggage or its contents is subject to deductibles and upto the maximum amount mentioned in your policy schedule. Additionally, all the claims must be verified by the common carrier.

Apart from this, there are certain limitations in the context of the reimbursement amount; find them below:

• The maximum reimbursement limit per bag is 50% of the amount mentioned in the policy schedule,
• The maximum reimbursement amount per article in any bag is 10% of the amount stated in the policy schedule
• There is a combined maximum limit of 10% on the reimbursement amount stated in the policy schedule if any of the valuable items such as jewellery, watches, articles in whole or in part of silver, gold or platinum, etc., is lost.

In case of loss of a pair/set (e.g. a pair of earrings), we may

• Repair or replace a part of your loss so that the value of a pair/set can be restored to its actual value, i.e., the value before the loss;
• Pay the difference between the cash value of the property before and after the loss.

Exclusions

We are not liable to:

• compensate in case of damage to the baggage or partial loss of the contents of baggage.
• compensate for property loss, which is insured under any other insurance or reimbursed by the common carrier
• compensate for baggage or souvenirs sent in advance or shipped separately
• compensate for consumables and perishables; any conveyance; household effects; electronic equipment like computer, cellular phones disc player, etc.; eyeglasses, sunglasses or contact lenses; debit cards and cheques, etc.

What is the Difference Between Check-in Baggage and Cabin Baggage?

Check-in baggage is the baggage you submit to the airline authority, which ensures the delivery of your baggage to your destination location. Whereas cabin baggage is the hand baggage that you carry inside the cabin, and you are responsible for the same.

What Is Covered Under Baggage Insurance Policy?

Baggage insurance is a component of travel insurance. Under this, we will compensate you for the expense of personal effect if the check-in baggage is lost or delayed by the common carrier, subject to certain terms and conditions. Also, all the claims must be verified by the common carrier.

Is Check-in Baggage Insured?

Once your baggage is submitted to the airline authority, it is included in your check-in baggage and is insured under the travel insurance. If the baggage gets lost or delayed by the common carrier due to misdirection or any other covered hazard, we will reimburse the loss while considering your policy specifications.

If I Deliver a Part of My Baggage Before the Date of My Return to the Home Country and it Gets Misplaced or Lost on the Way, Will I Eligible For the Compensation for the Same?

Under TATA AIG’s Travel Insurance, we are liable to compensate for the loss or delay of check-in baggage while you are travelling. However, if you ship your baggage before you leave for your home country, we will not be liable for any compensation.