If you know that your policy can cover your luggage under the circumstances that it was lost or stolen then here’s what you need to do:
1. Report it
No matter where your luggage was lost or stolen, you’ll need to report it.
If you’re luggage has been lost or stolen on public transport ( eg plane, cruise, bus or train)
- Report the incident to them and ask for a Property Irregularity Report (PIR).
- Keep any relevant ticket, luggage check and other documentation to give to us.
- Find out how they will compensate you and get this in writing.
If your luggage has been lost or stolen from your accommodation
Report it to them and ask them to provide written confirmation of the loss or theft and any compensation they’ll offer.
If your luggage has been lost or stolen on a tour or at a public venue ( eg airport, museum, sports stadium)
Report it to tour operator, venue management or security and ask them to provide written confirmation of the loss or theft and any compensation they’ll offer.
2. Report it to the police
For stolen items, you’ll need to report the theft to the police within 24 hours of it taking place, and get a written police report.
You’ll also need a police report for lost items, unless the loss was by a third party (such as an airline).
If the police won’t issue a police report, get the name and address of the station and the officer, and any reference number they have, and note the time you reported it.
3. Track and block your phone or tablet
If your mobile phone or tablet is lost or stolen:
- Try calling your phone to see what happens — you never know, someone might answer!
- Apple users — try using the Find My iPhone service
- Call your mobile phone provider as soon as possible and ask them to block your service, and ask for written confirmation that they’ve done this.
4. Keep your receipts
You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.
5.Need to know more?
Our suggestions should help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
If you have questions about what's covered and not covered, just ask us.