Baggage insurance protects a traveller’s belongings against loss, theft, damage or delay during a trip if these risks are included in the policy.
Baggage insurance can reduce costs if a traveller's belongings are lost, delayed, damaged or stolen during a trip. It is often part of travel insurance, but only works within the policy's limits, insured events and exclusions.
A policy may cover baggage lost by a carrier, delay, damage or theft with supporting documents. For delay, it may reimburse essential purchases rather than the suitcase itself. Loss and delay are different events and can have different limits.
Cash, documents, bank cards, jewellery, expensive electronics, poorly packed or unattended items are often limited or excluded. Check your own policy.
If baggage does not arrive or is damaged, contact the carrier or baggage desk immediately. Keep the boarding pass and baggage tag, obtain a report, take photos and keep damaged items. Then contact the insurer and ask which documents and receipts are needed.
The insurance payout depends on the policy and its limit. Baggage insurance does not guarantee a suitcase will not be lost; it helps when a documented event is covered.
Madina arrived in Berlin, but her suitcase did not arrive with the flight.
She obtained a report from the carrier, kept the baggage tag and receipts, then checked the claim process in her policy.
Dilshod collected his suitcase with a broken handle.
He recorded the damage at the airport and kept the documents for a possible claim.
Bekzod put a camera in checked baggage.
Before travelling, he checks the exclusions because expensive electronics may not be covered.
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
This is a simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
KASKO is insurance that protects not someone else’s car, but your own. Put very simply, it is like a financial safety cushion for your vehicle: if there is an accident, a broken window, parking damage, a fallen tree, or even theft, the insurance company can take on part of the big expenses. The main idea is simple: KASKO helps you avoid facing major car-related costs alone.
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This is a modular car insurance product in which the vehicle owner chooses which parts of the car and which risks to insure.
Our experts will help you choose the best insurance coverage
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