Am I covered if my bags are lost by the airline?

Yes, if your personal baggage is permanently lost by the carrier, you can make a claim for your belongings that were in the lost bags and the bag itself, with some exceptions.

As we’ve recently changed our insurer, please select the date you bought your policy for more information:

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)
 

For policies purchased on or after 1 Nov 2018:

Yes, if your personal baggage is permanently lost by the carrier, you can make a claim for your belongings that were in the lost bags and the bag itself (with some exceptions – see ‘What’s not covered’ below).
What you need to do if your baggage has been permanently lost:

  • Notify the carrier immediately and obtain a written Property Irregularity Report (PIR). If you can’t obtain a PIR immediately, then you must follow up within 7 days in writing to obtain this document.
  • Keep any luggage checks and air tickets to support your claim.
  • Provide evidence of proof of ownership and value for your personal baggage. Note that you must supply an original receipt, valuation report or other acceptable proof of ownership and value to support your claim.
  • Have you already made a claim for delayed baggage while you were waiting optimistically for your lost bags to arrive? If so, just be aware that any amount paid out will be deducted from the final claim settlement of your lost baggage claim.

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 so there are no surprises if you do need to use it.

The loss to valuables and any specified items are not covered if left in checked-in baggage or if left unattended at any time (including in the custody of carriers).

Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited. For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd’s.
 

For policies purchased before 1 Nov 2018:

Yes, if your personal baggage is permanently lost by the carrier, you can make a claim for your personal belongings that were in the lost bags and the bag itself (with some exceptions – see ‘what’s not covered’ below)

How much can I claim?

This depends on what plan you buy (Standard or Explorer) and how many travellers are listed on your policy.

PlanUK (per person)IRELAND (per person)
Standard £100 per item, total claim £1,000 €125 per item, total claim €1,250
Explorer £250 per item,  total claim  £2,000 €300 per item, total claim 2,500

The policy excess is applied to lost baggage claims

What you need to do if your baggage has been permanently lost:

  • notify the carrier immediately and obtain a written Property Irregularity Report (PIR).If you can’t obtain a PIR immediately, then you must follow up within 7 days in writing to obtain this document.
  • keep any luggage checks and air tickets to support your claim.
  • provide evidence of proof of ownership for your personal baggage. Note that you must supply an original receipt, valuation report or other acceptable proof of ownership for any item, pair or set of items with a value of over £50/€60 to support your claim.
  • Have you already made a claim for delayed baggage while you were waiting optimistically for your lost bags to arrive? If so, just be aware that any amount paid out will be deducted from the final claim settlement of your lost baggage claim.

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 so there are no surprises if you do need to use it.

The loss to valuables and any specified items are not covered if left in checked–in baggage or if left unattended at any time (including in the custody of carriers).

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.
 


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Our contact details

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

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

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For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738