While you are a Member of our Service, Delayed Baggage Protection provides you with reimbursement for your reasonably incurred expenses if your checked-in baggage is delayed. You will be reimbursed for expenses reasonably incurred by you as a result of your checked-in baggage being delayed by an airline, train, bus, coach, ship or boat ("Common Carrier") for twelve (12) or more hours from your arrival at your final destination.

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

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If your checked-in baggage is delayed by any Common Carrier for twelve (12) hours or more from the actual time of arrival at your final destination, we will reimburse you for the reasonable cost of additional clothing and essential articles purchased by you 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 that we make to you under Delayed Baggage Protection will be deducted from any amounts payable to you under this Delayed Baggage benefit of this Service. You must also have used all reasonable endeavours to obtain redress or compensation under any insurance policies available to you.

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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Your Delayed Baggage claim(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 receive reimbursement under Delayed Baggage Protection, your Common Carrier must approve and pay some amount of a claim submitted to the Common Carrier by you. Only one delayed baggage incident will be covered per trip.

Your Lost and Damaged claim(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 receive reimbursement under Lost and Damaged Baggage Protection, your Common Carrier must approve and pay some amount of a claim submitted to the Common Carrier by you. Only one lost and damaged baggage incident will be covered per trip.

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For the Delayed Baggage claim process, click here

For the Lost and Damaged Baggage claim 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 your 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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