Travel Insurance for Delayed Baggage.
For when you show up but your bags don't.
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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.
You know that sinking feeling when you’re waiting at the luggage carousel, everyone has left and it finally grinds to a halt… without your bag appearing.
That’s where travel insurance and our Baggage Delay benefit can help out, saving you from a sweaty, smelly, uncomfortable few days (hopefully not more) until your bags arrive.
What's covered by travel insurance if my bags are delayed?
If your baggage is delayed more than 24 hours our policies offer cover for essentials items like:
- Clothing
- Essential prescribed medication
- Toiletries
It's important to remember that there are benefit limits and an excess will apply.
What you’re not covered for
If your bags arrive within 24 hours of when they were supposed to, you won’t be able to claim any expenses back. We also won’t cover:
- The rental or purchase of sports equipment if your sports equipment is delayed by the carrier
- Indirect losses, such as administrative or transport costs involved in collecting the baggage or lost opportunities due to not having your baggage
- Any items that aren’t considered ‘essential’. That means no Gucci leather jackets!
- The purchase of essential items if your bags are delayed on the way home, as the insurer expects you’ve got other clothes to wear once your return home
What do I do if my bags don’t arrive?
First step is to speak to your transport provider who was responsible for transporting you. You need to make a report and get back from them a Property Irregularity Report or similar official statement including certain details – see How to Make a Claim for more information.
If it’s going to take at least 24 hours or more to get your bags to you, then you can look at claiming back the cost of essential replacement toiletries, clothing and prescription medication to tide you over. Any claims paid for essential items will be deducted from any successful lost baggage claim you may subsequently make.
Benefit limits apply so this isn’t a green light to buy the latest Gucci leather jacket you’ve been hankering after.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
Items you can claim if your bags are delayed:
- T-shirt(s)
- Underwear
- Socks
- Toiletries
- Prescribed medication
- Reasonable & necessary essential items (check your policy for details)
Items that aren't covered if your bags are delayed:
- Designer jeans to replace your fisherman's pants
- A new ball gown for that special event
- Tailor made suit
- Leather jacket
- Other non-essential items you can live without for a few days
Bags delayed in Heathrow.
Flew out of Heathrow to Los Angeles. The airline claimed the baggage loading system at Terminal 1 had failed and they would be unable to load all the luggage. When we arrived, several hours late in LA, my bag was one of the many missing. We filed a delayed baggage report with them and were promised the bag would be delivered the next evening. I did not actually receive it until three days later. Everything was in tact when it arrived, but in the meantime I had to manage with the clothes I was wearing for the journey. We had trips booked the first two days in LA and we managed to get to a store to buy some items for me to have a change of clothes and enjoy the swimming pool in the hotel.
Norwegian Nomad in L.A.
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 dropped dead?
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 cover for delayed baggage. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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What if I don’t have receipts?
You can still lodge a claim. However, the team might decline your claim if you are unable to provide requested documentation.
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What supporting documents do you 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. Written confirmation from the airline or travel company stating the length of delay, may also be required.
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Is there an excess?
For Baggage Delay there is no excess.