Am I covered if my bags have been damaged?

If your registered or checked-in baggage has arrived but it's been damaged by the carrier while in transit, you can make a claim for the costs incurred to repair these damaged items.

What’s covered

You can make a claim for the costs to repair the damaged bag itself or damaged items within the bag (with some exceptions - see ‘what’s not covered). How much you can claim per item and in total depends on what type of plan you buy, the Standard or Explorer Plan.

What you need to do if your baggage has been damaged:

To make a claim for your checked-in damaged baggage or belongings you must:

  • Report to the relevant transport carrier as soon as possible.
  • Obtain a written report from the carrier outlining the damage. An original copy of this damage report/property irregularity report (P.I.R) must be submitted to support your claim.
  • Your must file a claim for compensation with the carrier first and keep a copy of this report to submit with your claim to us.

Also be aware that any baggage claim submitted will have the policy excess applied. There is a €70/$100USD excess deducted per person, per claimable event

Does my insurance cover my tech?

Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.

What’s not covered?

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the policy wording for the full details on what’s not covered.

Here’s the main thing that isn’t covered:

  • Damage to, loss of or theft of jewellery, computers, cameras, hand-held and mobile devices or other electronic equipment and any high value specified items if checked in with a common carrier in your baggage.

If your electronics have had to be checked-in due to the U.S. and UK restrictions to carry-on luggage, click on this link.

Indian residents:

The Baggage and Personal Effects benefit is not included in the policy available to permanent residents of India. Our insurer for Indian travellers, Bupa Global Travel, has decided that they are no longer able to manage benefits greater than cover for Overseas Medical Expenses and Medical Evacuation/Repatriation.

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Our contact details

We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1)

Contact us


For policies purchase on or after 2 December 2018:

+353 21 237 8006


For policies purchased before 2 December 2018:

+61 2 8256 1542


For policies purchase on or after 2 December 2018:

[email protected]


For policies purchased before 2 December 2018:

[email protected]