Delayed Baggage Protection covers members of the service for reasonably incurred expenses if checked-in baggage is delayed. Delayed Baggage Protection covers expenses reasonably incurred as a result of checked-in baggage being delayed by an airline, train, bus, coach, ship or boat ("Common Carrier") for twelve (12) or more hours from arrival at the final destination.

It also provides members with Lost and Damaged Baggage Protection, covering out-of-pocket expenses reasonably incurred while submitting a loss or damage claim request against a Common Carrier, as well as the difference between the claimed amount and the Common Carrier's settlement.

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If checked-in baggage is delayed by any Common Carrier for twelve (12) hours or more from the actual time of arrival at the final destination, Delayed Baggage Protection will cover reasonable cost of additional clothing and essential articles purchased as a result of the delay, up to a maximum of £150 per Member per Year, in excess of any reimbursable expenses incurred by the Common Carrier. Any payment of this benefit shall be offset against any claim payable under the Lost and Damaged Baggage benefit of this service.

For Lost and Damaged Baggage Protection, there is a limit of up to a maximum of £125 per claim and up to a maximum of £250 per year in total. Any payment made under Delayed Baggage Protection will be deducted from any amounts payable under this Delayed Baggage benefit of this Service. In addition, all reasonable endeavours must have been used to obtain redress or compensation under any available insurance policies .

References in these FAQs to a Year are to the 12 month period commencing on the date on which the Member joins the Service or any subsequent 12 month period, as applicable.

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Delayed Baggage request(s) must be submitted as soon as possible, but no later than 30 days from the date of the incident that triggers the claim.

To be covered by Delayed Baggage Protection, the Common Carrier must approve and pay some amount of a claim submitted to the Common Carrier by the member. Only one delayed baggage incident will be covered per trip.

Lost and Damaged request(s) must be submitted with the supporting documentation as soon as possible, but no later than 30 days from the date of the Common Carrier's settlement.

To be covered by Lost and Damaged Baggage Protection, the Common Carrier must approve and pay some amount of a claim submitted to the Common Carrier by the member. Only one lost and damaged baggage incident will be covered per trip.

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For the Delayed Baggage request process, click here

For the Lost and Damaged Baggage request process, click here

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Each type of protection has its own set of exclusions:

Delayed Baggage Protection exclusions--

Delays to baggage not checked-in on a Common Carrier: Delays caused by war, civil war or radioactive contamination; Delays contributed to or caused by voluntary consent of the member; Delays contributed to or caused by confiscation or requisition by Customs or other government authority.

Delays caused by acts of terrorism.

This benefit does not apply if any baggage is delayed after you have reached your return destination.

Lost and Damaged Baggage Protection exclusions--

Claims denied by the Common Carrier; claims not submitted within 30 days of the Common Carrier settlement; Money or its equivalent, stocks, coins, important papers, fine art, cheques, jewellery, watches, collectables, electronics, computers, precious metals, precious stones and other compounds, consumable goods, items that spoil, animals, and body parts.

Business contents or effects; credit cards; securities; certificates and documents; artificial teeth and limbs; plants and animals; household effects (items used or displayed in a household which are not of a personal nature such as silverware, art objects and bedding); cars; bicycles, motorcycles; boats or other conveyances, or equipment or parts pertaining to such conveyances; property used in trade; aircraft; any type of eyeglasses or contact lenses; tickets (except for administrative fees required to reissue tickets); property shipped as freight, or shipped prior to the departure date; contraband; and hearing aids.

Loss or damage caused by war, civil war or radioactive contamination; loss or damage contributed to or caused by the Member; loss or damage contributed to or caused by confiscation or requisition by Customs or other governmental authority; loss or damage caused by acts of terrorism.

Items over £75 must be accompanied by original receipts. If receipts are not provided, benefits may be reduced or withheld at our discretion.

Payment will not be made for this benefit for loss or damage due to: (a) defective materials or craftsmanship; (b) normal wear and tear; (c) deterioration; or (d) rodents, animals or insects.

In the event of a loss to a pair or set of items, we may at our option: (a) repair or replace any part to restore the pair or set to its value before the loss; or (b) pay the difference between the value of the property before and after the loss.

Property owned by third parties (including family members).

For complete Terms of this benefit, click here

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