Baggage Insurance

What is Baggage Insurance?

The baggage insurance policy provides you with full reimbursement in situations where your baggage might get delayed or lost or if the contents of your luggage are damaged. So you no longer need to worry about luggage problems while travelling, and can have a pleasant, relaxing experience. 

You can get access to the policy directly through your registered email id.

What's Covered in a Baggage Insurance Policy?

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

•  Financial security against burglary and theft

In case your luggage gets stolen, you can easily apply for reimbursement according to the guidelines mentioned in your insurance policy. 

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

In instances where your baggage or the contents of your baggage gets damaged due to unforeseen circumstances such as fire, strike, riot or terrorist activity, you will receive full compensation. 

• Financial protection for family members

Your family members also get to enjoy the benefits of baggage travel insurance. Any kind of loss or damage caused to the luggage of your family members is included under this policy. 

Baggage Insurance Policy - Details and Specifications

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

• Coverage limit

At a minimal price of just Rs 599, you can enjoy financial protection extending up to Rs 50,000.

• Flexible Payment details

You can now pay for your baggage insurance policy via multiple methods such as UPI, mobile wallet, debit/credit card and net banking.

What Is Not Covered?

The mentioned below list highlights the scenarios where you cannot apply for compensation or reimbursement under the baggage insurance policy. 

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

• Damages caused during maintenance

Damage to luggage can occur due to many reasons such as dyeing, repairing or restoration process or cleaning. In such cases, you cannot get the compensation amount to cover the financial loss.

• Damages or financial loss caused in transit

Any damage caused to your baggage during the transit process,which a carrier may cause under the affreightment contract is not included under the baggage insurance policy. 

How to File a Claim Against Your Baggage Insurance Plan?

You can  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 baggage travel 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.