Baggage Insurance Policy

What is Baggage Insurance?

Losing luggage during a trip is a hassle that no one wants to experience. However, this can be a reality at times, and having an adequate baggage insurance plan can be of great help in such cases. It will offer the necessary financial coverage of up to Rs. 50,000 against an affordable fee of Rs. 599 per year.

The policy will be sent to your registered email id.

What's Covered in a Baggage Insurance Policy?

Here’s what is included in a baggage insurance cover:

• Financial security against burglary and theft

You can claim the compensation amount based on the terms of your insurance policy from your insurer in case your luggage is stolen during your trip to cover the financial loss.

• Covers the damages caused due by strikes, fire, and riot

This insurance plan covers the financial loss or damages caused to your baggage due to fire, strike, riot, or terrorist activity.

• Financial protection for family members

This insurance policy covers the monetary loss or damages caused to the luggage of your family members as well.

Baggage Insurance Policy - Details and Specifications

Here are the pointers specifying the details of the baggage insurance cover:

• Coverage limit

You can receive a financial coverage of up to Rs. 50,000 against a minimum fee of Rs. 599.

• Payment details

Multiple online payment options are available through debit or credit card, UPI, net banking and mobile wallet to pay the premium amount.

What Is Not Covered?

Here are the situations against which you cannot receive financial coverage under your insurance for luggage:

• Fragile items

Financial loss or damages due to scratching, or breakage of marble ware, lens, chinaware, or other items of fragile nature are not covered.

• Ornaments and other valuable items

This insurance plan does not offer financial coverage against financial loss or damages caused to jewellery and other valuable items.

• Damages caused during maintenance

In case your luggage was subjected to dyeing, repairing, restoration process or cleaning, which resulted in its damage, then, in that case, you cannot get the compensation amount to cover the financial loss arising from it.

• Damages or financial loss caused in transit

Suppose there is any damage to your baggage while being transported by a carrier under the affreightment contract. In that case, you cannot file a claim against your insurance policy for such a situation.

How to File a Claim Against Your Baggage Insurance Plan?

You can a file a claim against your insurance policy in the following ways:

• Call on a toll-free helpline number 1800-209-5858

• You can send us an email at bagichelp@bajajallianz.co.in

• Alternatively, you can write about the incident and send it to Bajaj Allianz General Insurance Co Ltd. Bajaj Allianz House, Airport Road, Yerwada, Pune – 411 006.

Kindly provide the policy details, such as the insurance policy number, and provide supporting documents irrespective of which process you choose to file a claim. Remember to file an FIR at your local police station within 24 hours of the occurrence of burglary or theft.

Document Required While Filing a Claim

Submit the following documents while filing a claim against your baggage insurance policy:

• Duly filled and signed insurance claim form

• Incident report

• Report from Fire Brigade, in case of damages caused due to fire

• An FIR copy which is applicable during burglary or theft

This list is suggestive, and your insurance provider may ask you to provide additional documents during claim settlement.

Customer Care Details for Baggage Insurance

Send us an email specifying your query at insuranceconnect@bajajfinservmarkets.in.

Pricing Details of Baggage Insurance Plan

Take a look at how much you need to invest in a baggage insurance cover:

Moreover, it also comes with a policy excess system. Here you need to bear 5% of the claim amount or at least Rs. 25,000 with every claim.