Professional Documents
Culture Documents
Asigurari
Asigurari
yours that are lost or stolen while you're traveling. Baggage and personal effects coverage is
typically secondary coverage, which means that it will act to supplement any reimbursements
offered by a common carrier (such as an airline that loses your bags) or by your homeowner's
insurance.
Baggage delay coverage allows you to purchase essential items you need for your personal
comfort while you’re waiting for your bags to arrive. As with baggage loss coverage, it is
secondary coverage to any benefits your airline or common carrier may provide to you. Baggage
delay coverage generally becomes active after your belongings have been delayed for a
specified period of time. Depending on the policy you’ve purchased, it will usually be either 12 or
24 hours. Until that period of time has passed, you are not eligible for reimbursement. One other
note: Baggage delay coverage is typically only available on the outbound part of the trip.
Általában a következő tárgyi kizárások szoktak előfordulni egy alap utasbiztosítási csomagban:
The overall plan limit, which states the total maximum amount of coverage you can
receive.
The per-item limit, which sets the maximum amount of reimbursement you can seek per
individual item.
The specific-item limit, which is listed in some plans and may exclude particular special
items like laptops and camera equipment.
Items in your checked bag such as jewelry, expensive watches, and high-end technology, will
likely be worth more than the per-item limits or even the specific item limits of a typical baggage
policy. If you must travel with these items, it's generally advisable to contact your homeowner's
insurance company to ask about scheduling those items. You can still benefit from the baggage
loss coverage on your travel insurance for reimbursement of the other items you may have lost
while traveling, but your homeowner's insurance would then be responsible for settling claims
involving your valuables. The same requirement is in effect if a theft occurs. It is also important to
check the excluded items under the baggage loss benefit. For example, cell phones are usually
the number one lost item, however, they are excluded from coverage under most plans.
There are also limits for the baggage delay coverage. These include:
You take an overnight train trip from Mumbai to Goa, and when you go to retrieve your
backpack it’s just — not there. You report the theft to the railway and the police, but the
bag never turns up. What are you going to do without all your clothes, shoes and
toiletries?
Fortunately, you have baggage loss/damage benefits. Your travel insurance provider
can reimburse you for the actual cash value of your belongings, less depreciation, or the
cost to replace them, whichever is less.
To accept a claim, insurers will need you to have reported a theft to the police - usually within
24 hours
Compensation is typically limited to 'depreciated' rates, which means you won't receive new for
old
Policies may exclude cover for your baggage when it's in the care of an airline or other tour
operator
You'll be asked to fill out a 'Property Irregularity Report' (PIR), giving personal and flight details,
an accurate description of your bag and any of its distinguishing features.
Once you've submitted the PIR form you should be able to monitor your luggage's progress,
either by contacting the airport's baggage service or logging in to an online baggage-tracing
page.
If your bag is traced your airline should aim to return it to you within 72 hours, wherever you
are in the world.
In the intervening period, airlines are obliged to cover the cost of 'essential items' - toiletries, a
change of clothing or the cost of laundry.
Your definition of 'essential items' may differ from an airline's, so make sure you understand
what airlines will cover - they may not reimburse you the cost of a new dress or suit, for
example.
Compensation may come in the form of a daily budget or an upfront cash payment, but you may
be expected to pay for the items and reclaim the cost once you're home, so check the policy of
your airline beforehand.
Any claim for compensation should be sent to the airline within 21 days of recovering the bag,
and it may be up to eight weeks before you receive the money.
2. See also:
If your bag isn't traced, it won't be classified as 'lost' until it's been missing for 21 days - until
then it's 'delayed'.
If your bag is declared as lost, you can then make a claim for compensation from the airline.
The airline will be liable to pay for the bag under the Montreal Convention,† which gives
guidance on the amount to be paid.
The airline will probably ask for a list of what was in your bag, as well as receipts to prove you
owned the items. You may not get the value of a brand new equivalent, as airlines are likely to
deduct an amount for wear and tear.