Travel Insurance for Stolen or Damaged Baggage
If your gear has been stolen or damaged, here's how we can help.
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As featured in:
For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
When you’re travelling, you don’t always have control over what happens to your gear: it can get stolen, damaged, be sent to the wrong airport or get lost permanently in transit. That’s where baggage and personal belongings cover can help.
Baggage and personal belongings travel insurance: What's covered?
World Nomads plans for residents of most countries offer coverage for your luggage and personal items you take with you. Cover includes:
- Necessities (e.g underwear & toiletries) if your baggage is delayed for at least 24 hours.
- The value of any items lost, stolen, damaged or destroyed with a deduction for wear and tear.
- Specific items you have paid an additional insurance premium for and which are shown on your Certificate of Insurance. (Deduction for wear and tear does not apply).
- The additional cost of obtaining a replacement passport or visa including fees that you would otherwise not have paid.
- If you buy the Explorer Plan, the policy also covers accidental loss or theft of your own money while you were carrying it or if you left it in a locked safety deposit box.
What’s not covered?
There are a number of items our policies don't cover and if you don’t look after your belongings properly, you may not be covered either.
- If you don't keep your gear safe and secure.
- If you don't report a theft or loss to the police (within 24 hours) and appropriate carrier or authority as soon as reasonably possible of the theft or loss being discovered. Get a written report!
- Personal baggage stolen from an unattended vehicle unless locked away and not visible from the outside and there are signs of forced entry.
- Sporting equipment while in use.
This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.
Travel Insurance Baggage Tips:
- Find and scan your receipts before your leave
- If an airline loses your gear, tell them straight away and get it in writing.
- Theft? Report it to the police as soon as you reasonably can.
- If you’ve got a handset or tablet that can be blocked, block it.
- You can claim at home or on the road.
Robbed in Guatemala.
I was walking down the sidewalk of 11 Avenida with my backpack on the back. I wanted to check something in my Lonely Planet, so I took the backpack to the front, with one strap still one my shoulder. I had just put the book back and was about to zip the backpack closed (after 10-20 seconds) when it was suddenly ripped out of my grip. Even though I was holding on to it, the surprise and force allowed them to grap it anyway, before they speeded away. In the backpack was my camera lens (I was fortunately wearing the camera with a strap around my neck), my wallet with money I had cashed in an ATM a couple of days before, the guidebook and some clothes (jeans, socks and a hoodie). There were no personal documents as I had left them in my hotel room. I reported the theft to the police about two hours later.
Danish Nomad is Guatemala.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: €10,000
- Standard Plan: €4,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy deceased?
- Close relative suddenly dies?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: €10,000,000
- Standard Plan: €5,000,000
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).
- Explorer Plan: €3,000
- Standard Plan: €1,500
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Emergency Medical & Dental Expenses
- 24 hour Emergency Medical Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Trip Disruption
- Travel Delay (Explorer)
- Missed connection (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Personal accident
Contact our Claims Team
We're here to help if you have a question about your claim. We're available.
Contact usFor policies purchased on or after 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +44 (0) 333 333 9621 |
| Denmark | +44 (0) 333 333 9619 |
| Germany | +44 (0) 333 333 9618 |
| Netherlands | +44 (0) 333 333 9617 |
| Country of residence | |
|---|---|
| Belgium | worldnomads.clmsbe@collinsoninsurance.com |
| Denmark | worldnomads.clmsdk@collinsoninsurance.com |
| Germany | worldnomads.clmsde@collinsoninsurance.com |
| Netherlands | worldnomads.clmsnl@collinsoninsurance.com |
For policies purchased before 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Netherlands | +31 (0)20 8080731 |
FAQ
Here are our most frequently asked questions about buying travel insurance for baggage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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I'm on a gap year, can I claim for my baggage while I'm away?
You can claim whenever you like, while traveling or when you return home. You must claim within 60 days of your return from your trip.
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What if I don’t have receipts?
You can still lodge a claim. However, without requested documentation your claim may be depreciated or declined..
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If the airlines loses my gear, what do I need?
You’ll need a Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts and a copy of your itinerary.
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Do my items get depreciated?
Yes they do. However, an upgrade will let you pay an additional premium per item so you can insure them for the value you bought them (if it's under the limits).