The insurance policy may include a cover for luggage, please check the policy from your employer.
Luggage means personal property that you have with you during the journey. This includes employer property intended for your use and property borrowed or rented by you before the journey.
In case of a luggage incident:
- If there has been a crime, report the case to the police and ask for a copy of the report for yourself
- Report any goods lost, damaged or delayed during transport to the carrier
- Keep the purchase receipts if you need to buy necessities.
- Claim for indemnity from us.
Below you will find advice to different situations.
If the damaged property can be repaired, the insurance primarily compensates the amount the repair costs as amount of loss, if less than the value of the property. In compensation the amount of loss is determined based on value and age or the property.
If your luggage has been left for transport (such as checked in luggage on flight), you must report the damage to the transport company or operating agent. The PIR report (Property Irregularity Report) should be made at the airport if you notice your luggage has been damaged.
All valuable items must be kept in the hand luggage. Please note the packing advice from the transport operator.
If your luggage is delayed on your journey out, you can buy the most essential clothes and hygiene articles in the destination to manage until you get your luggage again.
They are compensated according to the insurance policy. You must make the PIR report (Property Irregularity Report) at the airport if your luggage doesn’t arrive on time.
You should keep the receipts for the cost of the essential items. The maximum cover amount is on stated on the policy document.
If your luggage hasn’t arrived and the airline confirms that it is lost, primarily the airline or tour operator is responsible for compensation. You must make the PIR report (Property Irregularity Report) at the airport if your luggage doesn’t arrive on time.
If the airline doesn’t compensate the loss of luggage in full, you can claim the exceeding amount up to the maximum amount stated in the insurance letter. Please note that valuable items should be carried in the hand luggage.
Valuable property, such as jewelry, money, computers, mobile phones etc. must be attended to or kept in a secure place to avoid theft. They should not be left in checked in luggage or car, for example.
If your property has been stolen, you should file a police report.