We will decide whether claims may be settled by either payment or with replacement items. Your settlement will be based on how much the items were worth at the time of the loss. We’ll not pay for cost of replacing them with new items.
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Whether it’s lost entirely, damaged in transit or goes on its own holiday for a little while, having a problem with your luggage while you’re away is less than ideal. We're here to help alleviate what can be a very stressful situation.
Saga Travel Insurance provides cover to protect your baggage and our travel assistance helpline is there 24/7 so you can find out exactly what you need to do if something goes wrong, including advice on how to trace your luggage with the airline if it’s delayed or lost.
Please call our claims number on:
Or you can start your travel insurance claim online.
We’ll log your claim and give you a claim reference number, which you’ll then need to quote whenever you get in touch about your claim. We’ll send you out some forms to fill in and return to us along with any requested paperwork.
If your baggage is temporarily lost on the outward journey and you’re without it for more than 12 hours, we’ll pay for the replacement of essential items so that you can enjoy the start of your holiday regardless.
Just make sure you:
Unfortunately, you can’t claim if your baggage was delayed or detained by customs or other officials.
If your baggage is lost or damaged by an authority or a transport company (not an airline), or a hotel, you need to:
If your personal belongings or baggage are lost or damaged by an airline you must:
If your claim is for lost or stolen personal possessions, you’ll need to:
Please note that the single article limit and total valuable limit on your policy (see table below) may mean it does not provide sufficient cover for expensive items such as jewellery and photographic or video equipment – these items can usually be insured separately under your home insurance.
Saga Travel Insurance covers the following:
Cover feature | Policy limits for each insured person per trip | Excesses per claim |
---|---|---|
Delayed baggage
|
Up to £250
|
|
Lost, stolen or damaged baggage
|
Up to £5,000 (£600 single article limit and £1,000 total valuables limit)
|
|
Personal money
|
Up to £500 (£300 limit for cash) (£100 limit for cash if aged under 16)
|
We will decide whether claims may be settled by either payment or with replacement items. Your settlement will be based on how much the items were worth at the time of the loss. We’ll not pay for cost of replacing them with new items.
There's plenty to explore and learn about our travel insurance cover.