🧳 Lost or Damaged Luggage? Here’s How to Claim Insurance Smartly!
If your luggage is lost, delayed, or arrives damaged during your trip, don’t worry—travel insurance can save you. Follow these steps to file a claim:
🔍 Step-by-Step Insurance Claim Guide:
1. Report to the Airline First:
Get a Property Irregularity Report (PIR) from the airline’s baggage desk before you leave the airport.
2. Contact Your Insurance Provider:
Inform them within 24–48 hours. Request a claim form. Some companies offer app-based claims too.
3. Keep All Proof Ready:
You’ll need:
- Boarding pass & baggage tags
- PIR copy
- Damaged item photos
- Purchase bills (if any)
- Proof of emergency purchases
4. Submit Claim Form:
Attach all documents and submit the form via email or insurer’s website.
5. Follow Up:
Claims are usually settled in 7–15 days. Stay in contact with the insurer.
📞 Top Travel Insurance Helpline Numbers:
- ICICI Lombard: 1800-2666
- TATA AIG: 1800-266-7780
- HDFC ERGO: 022-62346234
- Bajaj Allianz: 1800-209-5858
- Reliance General: 1800-3009
📘 FAQ – Frequently Asked Questions
Q1. What if I don’t have receipts for lost items?
A: Insurers may still consider your claim based on item descriptions and estimated value, but receipts increase chances of approval.
Q2. Can I claim both from the airline and insurance?
A: Yes. First claim from the airline. If the airline’s compensation is partial, you can claim the rest from your insurer.
Q3. How much will I get for lost baggage?
A: Payout varies based on policy limits. Typically, up to the sum insured (₹10,000–₹50,000) or item-wise capping applies.
Q4. What is not covered?
A: Most policies don’t cover fragile, perishable, or high-value electronics unless declared in advance.
