Am I covered if my bags have been damaged?

Damaged bags? As we’ve recently changed our insurer, please select the date you bought your policy to find out what coverage you may have:

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:

If you discover that your checked-in baggage have been damaged while in transit, the policy may cover the costs incurred to repair these damaged items. If the repair cost is more than the value of an item, we will assess the claim as if the item has been stolen.
The policy excess is applied to damaged baggage claims.

What you need to do if your personal baggage has been damaged by the carrier

  • 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.

  • We may request that you send in your damaged item to substantiate your claim. Your claim may be denied if this is not done.

  • Make a claim online for your damaged baggage and be sure to send in your supporting documentation.

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.
Any valuables and specified items listed on your Certificate of Insurance left unattended at any time (including in a vehicle or in the custody of carriers) are not covered for damage.
 
Valuables and specified high value items are covered for damage only when with you or locked in a safe or safety deposit box. No cover is applicable for valuables or specified items when checked in.

 
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:

If you discover that your checked-in baggage and/or belongings have been damaged while in transit, there’s cover to claim for the costs incurred to repair these damaged items. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.

How much you can 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 damaged baggage claims.

What you need to do if your personal baggage has been damaged by the carrier

  • 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.
  • We may request that you send in your damaged item to substantiate your claim. Your claim may be denied if this is not possible.
  • make a claim online for your damaged baggage and be sure to send in your supporting documentation.

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.

Any valuables and specified items listed on your Certificate of Insurance left unattended at any time (including in a vehicle or in the custody of carriers) are not covered for damage.

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 to find out how you can be covered. 

Valuables and specified high value items are covered for damage ONLY when with you or locked in a safe or safety deposit box. No cover is applicable for valuables or specified items when checked in.
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

_________________


For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738