How To Claim Baggage Insurance For Lost Damaged Luggage?

How To Claim Baggage Insurance For Lost Damaged Luggage?

In September 2019, a major
airline accidentally left the entire baggage of passengers at the Delhi airport
of a Delhi to Istanbul flight. This incident led to a massive backlash from not
only the passengers but also from the internet.

Despite the fact that such events
are rare, they can leave a passenger stranded in a trip. Even though one cannot
control the unforeseen incidents or mistakes made by any other individual,
these risks can be mitigated by purchasing a baggage insurance policy.

A baggage insurance plan provides
coverage to policyholders in case their luggage undergoes damage or theft or
burglary.

The claiming process of a baggage
insurance policy is quite simple. In case of any such incident, it is the duty
of a policyholder to intimate their insurance provider as soon as possible.
They can do so by calling the company’s helpline number or sending an e-mail or
an SMS.

After informing the company,
individuals have to submit relevant documents to complete this process. They
have to provide the following documents:

• Signed and duly filled claim
  form.
• A copy of the incident report.
• In case of fire damage, a copy
  of the report provided by the fire department.
• In case of a theft or burglary,
  a copy of the FIR.
• Additional documents that policy
  providers require to complete this process.

The benefits of purchasing a
travel baggage insurance plan are:

A. This plan compensates the
policyholders against any loss incurred owing to theft, robbery or burglary
during their travels. Hence, their luggage or any of its items suffer any loss
they can make a claim.

B. Apart from the above mentioned
reasons, a lost baggage insurance plan will also provide compensation against
fire, strike, riots or any other reasons that damage the baggage.

C. An additional benefit of this
insurance plan is that it not only covers the policyholder but also provides
coverage to his/her family members from loss or damage of their luggage during
a trip.

D. This baggage insurance plan is
easy to purchase. Individuals can apply for it online and then make payment
through online payment methods like debit/credit cards, UPI, net banking,
mobile wallet, etc.

Individuals interested in
purchasing a Baggage Insurance policy can get in touch with Bajaj Finserv that
offers this policy under Pocket Insurance & Subscriptions. Individuals can
purchase this Baggage Insurance plan for a minimal premium and receive coverage
of up to Rs.50,000.

However, individuals should know
that a baggage only travel insurance plan is not a policy that insures a trip.
It only provides coverage for the luggage and items it contains.

Hence, individuals can also
purchase a personal
trip liability insurance for additional benefits. This policy offers
benefits up to Rs.1 lakh for an annual premium of Rs.149. It provides coverage
to a policyholder in case of an accidental bodily injury and any property
damages.

In addition to the above
mentioned policies, individuals can purchase a wallet care plan for extra coverage
during their travels. Individuals can purchase this policy for an affordable
annual premium of Rs.599 and avail coverage of up to Rs.2 lakh. Apart from
financial assistance, this policy also offers benefits like payment card
blocking and fraud coverage, SIM blocking, ID card replacement assistance, etc.

Losing or damaging luggage during
a trip creates a significant problem and leaves travellers stranded without
their essentials. Thus, purchasing a baggage insurance plan before going out
for a trip is an ideal factor to consider. This insurance plan is affordable,
easy to purchase, offers substantial coverage and its quick and easy claiming
process makes it easier for policyholders to receive compensation at the
earliest.