Baggage Insurance Policy – Cover Your Luggage Against Loss, Theft & Damage While Travelling

Miscellaneous Insurance · Travel · Domestic & International · Personal Belongings · Family Cover

What Is Baggage Insurance?

Baggage Insurance is a standalone travel-related insurance policy that covers loss, theft, fire, and accidental damage to your personal belongings and luggage while you are travelling — whether domestically within India or internationally. It also provides reimbursement for essential items (medication, clothing, toiletries) if your baggage is delayed in arriving at your destination. The policy covers you, your lawful spouse, and dependent children travelling as a family unit. Coverage applies as long as the baggage is accompanied by the insured and the loss or damage arises from a covered peril during the period of travel.

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Why Baggage Insurance Is Necessary — The Real Risk of Luggage Loss

Airlines mishandle millions of bags:Global airline statistics consistently show that approximately 5–7 bags per 1,000 passengers are delayed, damaged, or lost annually. For international travel through multiple connections, the probability of baggage issues rises significantly. Indian airports handling large volumes of domestic and international traffic see frequent luggage mishandling incidents.
Theft at hotels and transit points:Baggage theft from hotel rooms, railway compartments, bus stations, and transit lounges is a documented risk, particularly during overnight journeys or when luggage is left unattended in public spaces. Chain snatching and opportunistic theft of hand baggage at crowded transport hubs is common.
Business travel laptop and equipment risk:Business travellers carry high-value equipment — laptops, cameras, tablets, external drives — that can be damaged or stolen during travel. The financial cost of losing a laptop with important data and hardware can far exceed the ticket cost of the trip.
Baggage delay emergency costs:When your checked baggage is delayed (a common occurrence at connecting hub airports), you need to purchase emergency essentials at the destination — medication if you checked your medicines, clothing for the next day’s meeting, toiletries for overnight stays. These unexpected expenses add up quickly.
Airline liability is limited:Airlines compensate for lost or damaged luggage, but under the Montreal Convention their liability is capped — typically around USD 1,700 per passenger for international travel. If your suitcase contains items worth significantly more, airline compensation alone is inadequate. Baggage insurance bridges this gap.

Key Benefits at a Glance

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Theft & Burglary Cover

Reimbursement for belongings stolen from your baggage — at the airport, hotel, transit lounge, or during the journey — when the theft involves forcible entry or confrontation.

THEFT

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Fire Cover

Compensation for baggage and contents damaged or destroyed by fire — whether at the hotel, in a vehicle, or during transit as cargo in an aircraft or train.

FIRE

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Accidental Damage

Coverage for sudden and unexpected damage to your luggage and its contents from an accident — e.g., electronics damaged in a baggage drop, items broken when luggage is mishandled.

ACCIDENTAL

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Baggage Delay Cover

Reimbursement for medication, clothing, and essential items purchased if your checked baggage is delayed in arriving at your destination — so you are not left stranded without essentials.

DELAY

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Domestic & International

Coverage applies wherever you travel — within India (domestic holidays, business trips, train/air travel) and internationally (family vacations, business trips abroad).

WORLDWIDE

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Family Coverage

The policy covers the primary insured, their lawful spouse, and dependent children — making it ideal for family holidays and multi-person business travel groups.

FAMILY

What Baggage Insurance Covers — Inclusions and Exclusions

Coverage — What Is Included and Excluded

Baggage Insurance is a "named excluded perils" policy — meaning coverage applies to all losses except those specifically excluded. The main covered perils are fire, riot and strike, burglary, theft, and accidental damage.

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What Is Covered

Loss or damage to accompanied baggage from named covered perils

▶ Fire: Loss or damage to baggage contents caused by fire — whether at the hotel property, in a vehicle, or during cargo handling
▶ Burglary: Theft from your room, vehicle, or storage facility involving forcible and violent entry — the insurer pays for stolen belongings up to their market value
▶ Theft: Theft of baggage or its contents during travel — including snatch theft and theft while in transit at airports, railway stations, and other travel hubs
▶ Riot and strike: Damage to baggage arising from riot, strike, or civil unrest during the period of travel — including damage caused by mobs or disrupted transport
▶ Accidental damage: Sudden, unexpected, and unintentional damage to baggage contents — electronics broken in transit, camera damaged in a fall, clothing torn in a baggage handling incident
▶ Baggage delay reimbursement: If checked baggage is delayed in arriving at the destination, the policy reimburses the cost of essential emergency purchases — medication, clothing, toiletries — up to a specified limit and after a waiting period (typically 12 hours)
▶ Total loss of baggage: If the entire baggage item is lost during travel and not recovered, the policy pays the market value of the bag and all its declared contents
▶ Partial loss: If specific items within the baggage are lost or damaged while other contents remain intact, the policy covers only the lost or damaged items up to their market value

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What Is NOT Covered

Named excluded perils and specific categories of loss

▶ Spillage: Damage to contents caused by liquid spillage — spilled drinks, burst shampoo bottles, or other liquids leaking within the bag — is excluded
▶ Wear and tear: Gradual deterioration, scratching, fading, or damage from normal use over time is not a covered claim event
▶ Pilferage: Small-scale theft of individual items from luggage without any identifiable theft event or forcible entry — items found missing without explanation — is typically excluded
▶ War and terrorism: Loss or damage arising from war, invasion, military action, or an act of terrorism is excluded from baggage insurance coverage
▶ Civil commotion: As distinct from riot and strike (which is covered), more extreme civil commotion and political unrest scenarios may be excluded under some policy wordings
▶ Deterioration from pests: Damage arising from moths, insects, vermin, or mildew affecting baggage contents over time is excluded as a gradual process, not a sudden insured event
▶ Government seizure or detention: Confiscation, seizure, arrest, or detainment of baggage by customs, government, or law enforcement authorities is excluded
▶ Consequential loss: Indirect financial losses arising from baggage loss — missed business meetings, lost contracts, project delays — are not covered under baggage insurance
▶ Unaccompanied baggage: Baggage that is not accompanied by the insured at the time of loss — checked items sent ahead, stored goods — may not be covered depending on policy wording
▶ Valuables without special declaration: High-value items such as jewellery, watches, cameras, and electronics may require specific declaration at policy inception to be covered — undeclared high-value items may be subject to sub-limits

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Key Policy Terms You Should Know

Intrinsic Value / Market Value:The reinstatement value of the insured item as new, at the time of loss, reduced by an allowance for betterment, wear and tear, and/or depreciation. Unlike replacement-cost coverage, market value takes into account the age and condition of the item — a 3-year-old laptop is not compensated at its original purchase price but at its current market value.
Money coverage:Some baggage policies include limited coverage for “money” — which includes cash, cheques, postal orders, current postage stamps (not part of a collection), and luncheon vouchers. Money coverage typically has a very low sub-limit and requires specific declaration.
Period of Insurance:The period between the policy commencement date and expiry date — which corresponds to the travel period. The policy is typically purchased for a specific trip or for an annual period covering all trips taken during the year.
Contents:The items declared for insurance and specified in the policy schedule. Items not declared or not included in a general description endorsement may not be covered or may be subject to sub-limits.
Accident:A circumstance that is sudden, unexpected, and unintentional in nature, and is not specifically excluded by the policy. Gradual processes, wear, and expected deterioration are not “accidents” in the policy sense.

Typical Contents of a Traveller’s Baggage — What Should You Declare and Insure

What Should You Include in Your Baggage Insurance?

The sum insured under baggage insurance is based on the current market value of the items you are carrying. Declaring the right items and getting the valuation right ensures you receive adequate compensation if a loss occurs.

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High-Value Items — Declare Separately

Electronics:Laptops, tablets, smartphones, cameras (DSLR/mirrorless), camera lenses, video cameras, portable speakers, smart watches, and other high-value electronic equipment. These are the most frequently lost and damaged items in travel and should be specifically declared with their current market value.
Camera and photographic equipment:For photographers travelling with significant equipment — camera bodies, multiple lenses, tripods, flash equipment — a specific photographic equipment schedule should be declared. Camera equipment is particularly vulnerable to baggage handling damage.
Jewellery and watches:Jewellery and watches carried during travel face theft risk at hotels and in transit. Declare these with current valuations. Note that very high-value jewellery collections may be better covered under a dedicated Jewellery All Risk policy with worldwide extension rather than under baggage insurance.
Medical equipment:CPAP machines, mobility equipment, medical devices, and specialist health equipment carried during travel. These are expensive and often essential — their loss or damage during travel requires immediate replacement that must be funded promptly.
Musical instruments:Guitars, violins, and other musical instruments carried in luggage face significant risk from baggage handling. Declare them specifically with their value. Note that airlines frequently require instruments to be checked in protective cases.

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General Clothing & Accessories — Group Declaration

Clothing and footwear:The bulk of most travellers’ checked luggage — dresses, suits, shoes, coats, and everyday clothing. Declare a realistic total replacement value for your clothing contents. Business travellers carrying expensive formal wear should declare appropriately.
Toiletries and personal care:Perfumes, cosmetics, skincare products, and personal care items can have significant value. These are often overlooked but can amount to ₹5,000–20,000 in a single bag. Include them in your total valuation.
Books, stationery, and documents:Professional books, reference materials, and stationery carried for business travel. Note that the replacement cost of documents may not be fully covered — passports and travel documents are typically excluded from property insurance but may be covered separately under travel insurance.
Sporting equipment:Golf clubs, skiing equipment, diving gear, and other sports equipment carried for sporting holidays. These tend to be high-value and may require specific declaration or even a specialist sporting equipment cover.
Children’s items:Toys, children’s electronics, strollers, car seats carried in checked luggage during family travel. These can add up significantly for family holidays and should be included in the total declared value.

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The Sum Insured Principle — How to Value Your Baggage Correctly

The sum insured should reflect the current market value of the items you are carrying — not their original purchase price, and not their sentimental value. Market value = replacement cost of an equivalent item of the same make and model at the current market price, minus allowance for the age and wear of your item. A 2-year-old laptop that cost ₹80,000 new may have a current market value of ₹45,000–55,000. Insure it at ₹50,000, not ₹80,000. Overinsurance wastes premium; underinsurance leads to proportionately reduced claim settlements. The most practical approach: before every trip, mentally walk through the contents of each bag and estimate the current replacement cost of each item, then add them up for your total sum insured.

Does Travel Insurance Already Cover My Baggage? — The Important Distinction

Baggage Insurance vs Travel Insurance — Key Differences

Many travellers assume their travel insurance policy covers their baggage. In most cases it does — but with important limitations on coverage scope and sub-limits. Understanding the difference helps you decide whether a separate baggage policy is needed.

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Travel Insurance Baggage Cover vs Standalone Baggage Insurance

Aspect	Baggage Coverage Under Travel Insurance	Standalone Baggage Insurance
Availability	Included in most comprehensive travel insurance plans as a sub-section	Separate policy purchased specifically for baggage protection
Sum insured	Sub-limit within travel policy — often ₹30,000–₹1,00,000 total	Higher limits available; customised to actual baggage value
Per-item limit	Low per-item caps (e.g., ₹5,000 per item, ₹10,000 for electronics)	Per-item limits based on declared value at policy inception
Coverage scope	Typically loss and delay; damage coverage may be limited	Broader: fire, riot, burglary, theft, accidental damage, delay
Domestic travel	Most travel insurance policies do NOT cover domestic trips	Covers domestic travel within India
Business trips	Some travel policies exclude business equipment	Can cover professional and business equipment specifically declared
Annual cover	Annual multi-trip travel plans include baggage cover	Annual baggage insurance available for frequent travellers
Best suited for	Occasional travellers with standard baggage; international trips	High-value baggage; domestic travel; business equipment; frequent travellers

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When Your Travel Insurance Baggage Cover Is Sufficient

International leisure travel with standard baggage:If you are travelling internationally with clothing, toiletries, and standard personal items totalling under ₹50,000–75,000 in value, the baggage sub-section of a comprehensive travel insurance policy typically provides adequate protection.
Occasional traveller with few high-value items:If you travel infrequently and carry modest belongings, the convenience of a single comprehensive travel insurance policy that bundles medical, trip cancellation, and baggage cover is practical and cost-effective.

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When a Separate Baggage Insurance Policy Is Worth It

Domestic travel (travel insurance doesn’t cover it):If you are travelling within India by air, train, or road, a standalone baggage insurance policy is the only way to cover your belongings — domestic travel is almost universally excluded from international travel insurance.
High-value electronics or professional equipment:If you carry a ₹1 lakh+ laptop, professional camera equipment, or other high-value items, the per-item limits in standard travel insurance are likely inadequate. A standalone baggage policy with higher declared values provides better protection.
Frequent business travellers:Professionals who travel multiple times per month domestically and internationally benefit from an annual baggage insurance policy that covers all trips without the need to buy cover for each individual trip.

Which Travellers and Businesses Benefit Most from Baggage Insurance

Who Should Buy Baggage Insurance?

Baggage insurance is most valuable for travellers who carry high-value items, travel frequently, or rely on specific items that would be difficult or expensive to replace quickly in an unfamiliar location.

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Individual & Family Travellers

Frequent domestic travellers:Professionals and families who travel domestically by air or train multiple times a year. Standard travel insurance doesn’t cover domestic trips — baggage insurance fills this gap for all domestic journeys.
International holiday travellers:Families travelling internationally with significant luggage — multiple checked bags, children’s gear, gifts, and souvenirs — where the total value of baggage contents significantly exceeds what standard travel insurance sub-limits cover.
Newlyweds and honeymooners:Couples travelling on honeymoon often carry new, high-value belongings — wedding gifts, new electronics, jewellery — that were not part of their pre-wedding luggage profile and may be significantly underprotected by default travel coverage.
Senior travellers:Older travellers often carry essential medication, medical devices, and specialist equipment that is both expensive and critical — losing a CPAP machine or specialist mobility equipment abroad requires immediate, funded replacement.

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Business Travellers & Professionals

IT professionals and consultants:Professionals who travel with high-value laptops, external drives, tablets, and technical equipment that is essential for their work. The cost of replacing a laptop remotely — including loss of work and data setup time — can be far higher than the hardware cost alone.
Photographers and filmmakers:Creatives who travel with camera bodies, lenses, lighting equipment, and accessories worth lakhs of rupees. Camera equipment is particularly vulnerable to both theft at tourist locations and baggage handling damage.
Sales professionals with samples:Sales representatives who travel with product samples, demonstration kits, or merchandise that has commercial value and needs to be replaced promptly if lost or damaged.
Healthcare professionals:Doctors, nurses, and healthcare workers who travel with medical equipment, diagnostic devices, or pharmaceutical samples that are both high-value and require careful handling.
Corporate travel managers:Companies that send employees on frequent domestic and international business trips can purchase group or corporate baggage insurance policies that cover all travelling employees under a single policy — simplifying administration and ensuring consistent coverage across the organisation.

How to File a Baggage Insurance Claim

Baggage Insurance — Claim Process

Baggage claims require prompt action and the right documentation. The key to a successful claim is immediate reporting and thorough documentation at the time of loss.

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Step 1 — Report the Loss Immediately at the Scene

Your first action at the point of discovering the loss should be to report it to the relevant authority and get a written reference:

For airline baggage loss or damage:
• Report immediately at the airline’s baggage services counter before leaving the airport
• Obtain a Property Irregularity Report (PIR) from the airline — this is mandatory for any airline baggage claim
• Keep your boarding pass and baggage tags — these are required for PIR filing

For theft during travel:
• Report the theft to the local police immediately and obtain an FIR (First Information Report) — mandatory for all theft claims
• Report to the hotel security or transport operator if the theft occurred on their premises or vehicle

For baggage delay:
• Obtain written confirmation from the airline of the delay and the expected delivery time
• Keep all receipts for emergency purchases made during the delay period

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Step 2 — Notify Probitas and the Insurer

Notify Probitas Insurance Brokers on 022 4302 0000 as soon as possible after discovering the loss — ideally within 24 hours. Probitas registers the claim with the insurer and provides you with a claim reference number. Early notification is important because:
• Most policies require notification within a specified timeframe (typically 24–72 hours of discovery)
• The insurer may need to guide the claim documentation process
• For airline-related losses, the insurer coordinates with the airline compensation process

During the notification call, provide: your policy number, the date and location of the loss, a brief description of what was lost or damaged, and the estimated value of the loss.

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Step 3 — Document the Loss Comprehensively

The quality of your documentation directly determines the claim settlement amount. Gather:

• Duly filled claim form from the insurer
• Copy of the baggage insurance policy
• Property Irregularity Report (PIR) from the airline — for airline baggage claims
• FIR copy — for all theft and burglary claims
• Police report or hotel report — for theft at hotel premises
• Original purchase receipts or invoices for all lost or damaged items — or alternative proof of ownership (warranty cards, serial numbers, product photographs)
• Photographs of damaged items before disposal or repair
• Receipts for emergency purchases during baggage delay
• Airline’s delay confirmation for baggage delay claims
• KYC documents — ID proof and address proof of the policyholder
• Bank account details for settlement payment

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Step 4 — Survey Assessment and Settlement

After claim submission, the insurer may appoint a surveyor to verify the loss — particularly for high-value claims. The settlement process:
• For airline baggage loss: the insurer coordinates with the airline’s own compensation process. Any compensation received from the airline is set off against the insurance settlement to avoid double recovery
• For theft: the surveyor reviews the FIR, the circumstances of the theft, and the declared value of stolen items
• For damage: damaged items may need to be assessed before repair or replacement
• Settlement is typically offered as cash reimbursement for the market value of the lost or damaged items, up to the sum insured
• Depreciation is applied to reflect the age and condition of the item at the time of loss

Probitas assists throughout the process to ensure the fastest and fairest settlement.

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Documents Required for Baggage Claims

All claims:Completed claim form · Policy copy · KYC documents · Bank account details for settlement
Airline baggage loss:Property Irregularity Report (PIR) from airline · Boarding pass and baggage tags · Correspondence with airline about compensation
Theft claims:FIR from local police · Hotel security report (if applicable) · List of stolen items with estimated values
Damage claims:Photographs of damaged items before repair · Repair estimate from authorised service centre · Original purchase invoices or proof of ownership
Baggage delay:Airline written confirmation of delay · Original receipts for all emergency purchases · Delivery confirmation when baggage eventually arrived

What Is NOT Covered Under Baggage Insurance

Key Exclusions

As a named-excluded-perils policy, baggage insurance covers all losses except those specifically listed below. Understanding these exclusions helps set realistic expectations.

❌ Spillage

Damage to baggage contents caused by liquid spillage — water bottles leaking, shampoo bursting, drinks spilled on electronics — is specifically excluded from baggage insurance coverage.

❌ Wear and Tear

Gradual deterioration of baggage or its contents from regular use — scratched surfaces, faded colours, worn handles, diminished battery capacity — is excluded as a normal consequence of use.

❌ Pilferage

Small-scale, unexplained theft of individual items from luggage — where items are found missing without an identifiable theft event or forced entry — is typically excluded. There must be an identifiable covered peril.

❌ War and Terrorism

Loss or damage to baggage arising from war, invasion, military action, or an act of terrorism is excluded from baggage insurance, as from most general insurance policies.

❌ Government Seizure

Confiscation, detention, or seizure of baggage by customs authorities, government departments, or law enforcement — for any reason — is excluded from coverage.

❌ Pest and Mildew Damage

Damage arising from moths, insects, vermin, or mildew affecting clothing and other contents over time is excluded as a gradual deterioration process, not a sudden insured event.

❌ Consequential Loss

Indirect financial losses resulting from baggage loss — missed meetings, cancelled contracts, productivity loss, or additional expenses beyond emergency essentials — are excluded from baggage insurance.

❌ Undeclared High-Value Items

High-value items such as jewellery, watches, cameras, and electronics that are not specifically declared in the policy schedule may be subject to very low sub-limits or may not be covered at all.

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Important Disclaimer

The information and product comparisons displayed on this platform are intended solely for general informational and evaluation purposes, and do not constitute a legal offer or binding insurance contract. Specific policy features, premium rates, riders, and underwriting guidelines are determined exclusively by the respective general insurance carriers and may vary significantly based on the insurer, product tier, and location across multiple Indian states. All quotes and premium calculations generated on this website are indicative estimates based on preliminary data and do not guarantee final underwriting approval or policy issuance by the insurer. For comprehensive details regarding specific coverage terms, limits, and permanent exclusions, please refer directly to the official sales brochure and policy wording issued by the respective insurance company, which will take absolute legal precedence in the event of any discrepancy or dispute.

Baggage Insurance Questions

Frequently Asked Questions

Most comprehensive international travel insurance policies include a baggage loss and delay section — but with significant sub-limits that may not be adequate for your actual baggage value. Typical travel insurance baggage coverage caps are ₹30,000–1,00,000 total, with per-item limits of ₹5,000–10,000 for electronics and ₹2,000–5,000 for other items. If you carry a ₹1 lakh laptop, ₹50,000 in camera equipment, and ₹30,000 in clothing — totalling ₹1.8 lakh — standard travel insurance baggage cover is severely inadequate. A standalone baggage insurance policy with higher declared values provides appropriate protection. Additionally, travel insurance typically does NOT cover domestic travel within India — making a standalone baggage policy the only option for domestic trips.

Yes — this is one of the most important advantages of a standalone baggage insurance policy over travel insurance. Standard travel insurance policies cover international travel only and do not provide any coverage for domestic flights, train journeys, or road trips within India. A standalone baggage insurance policy covers your luggage for both domestic and international travel — making it the right product for frequent domestic business travellers and those who travel domestically by air (where baggage mishandling by airlines is common). If you regularly travel on domestic sectors, a baggage insurance policy provides peace of mind that travel insurance cannot.

A Property Irregularity Report (PIR) is a document issued by the airline’s baggage services department when you report a baggage problem — delayed, damaged, or lost luggage — at the airport. The PIR is a mandatory requirement for: the airline’s own compensation process (under the Montreal Convention), and for your baggage insurance claim. Without a PIR, you cannot claim for airline baggage loss or damage from either the airline or your insurer. Always report baggage issues at the airline counter before leaving the airport, even if you are tired or in a hurry — returning later may mean the PIR cannot be filed. The PIR should describe the problem, list your affected bags by tag number, and provide a reference number for follow-up.

No — you cannot double-recover from both the airline and the insurer. Insurance operates on the principle of indemnity — you can only recover once for any loss. If the airline pays ₹20,000 in compensation for lost luggage valued at ₹60,000, you can claim the remaining ₹40,000 from your baggage insurer (subject to policy terms and the sum insured). The insurer will require you to disclose any compensation already received from the airline and will deduct it from the settlement. Always inform the insurer of any amounts received from the airline, hotel, or any other party responsible for the loss.

Yes — provided the laptop is specifically declared in your baggage insurance policy schedule and the damage is caused by an accident (covered peril) during the travel period. If your laptop is in checked baggage and is damaged by accidental crushing, impact, or mishandling during transit, this is an accidental damage claim under the policy. If your laptop is in hand luggage and is stolen from the aircraft cabin, this is a theft claim. To ensure your laptop is properly covered: (1) declare it specifically when purchasing the policy, with its current market value; (2) note the make, model, and serial number in your records; (3) photograph it before the trip; (4) keep the purchase receipt. Note that liquid spillage damage to a laptop is specifically excluded under baggage insurance.

Baggage delay coverage reimburses you for essential items you need to purchase when your checked baggage is delayed in arriving at your destination. Coverage typically activates after a waiting period of 12 hours from your scheduled arrival time. Items reimbursed typically include medication (if you checked your medicines in your luggage), essential clothing for the next day (if your luggage is delayed overnight), and toiletries. There is usually a sub-limit for baggage delay reimbursement (e.g., ₹5,000–10,000 total). Key requirements: (1) get written confirmation from the airline of the delay; (2) keep all receipts for purchases made; (3) purchases must be essential — luxury shopping during a delay is not reimbursable. Importantly, if the baggage is later found and returned, you still keep the delay reimbursement — it is not clawed back.

Yes — an annual baggage insurance policy covers all trips taken during a 12-month period under a single policy, rather than requiring purchase before each individual trip. Annual baggage insurance is ideal for: professionals who travel domestically and internationally more than 6–8 times per year, corporate employees who make frequent business trips, and families that take multiple annual holidays. The annual policy typically specifies the maximum trip duration covered per trip (e.g., 30 or 60 days per trip) and the total sum insured that applies to each trip. Premium for an annual policy is often significantly cheaper than buying individual policies for each trip. Call 022 4302 0000 to discuss annual baggage insurance options and pricing for your travel pattern.

Yes — corporate or group baggage insurance policies are available for companies whose employees travel frequently for business. A corporate policy can cover all designated travelling employees under a single policy, eliminating the need for each employee to purchase individual trip insurance. This is particularly valuable for: IT companies sending consultants to client sites, professional services firms whose partners travel for client work, manufacturing companies whose technicians travel for installation and service, and any organisation with a significant travel budget. Corporate baggage insurance can be structured as an annual group policy covering all employees in a specified travel category, with the company as the policyholder. Probitas can structure group travel and baggage programmes for corporate clients. Call 022 4302 0000 for a corporate baggage insurance quote.

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Share your travel details and our team will contact you within 24 hours with a baggage insurance quote tailored to your travel pattern and baggage value.

🧳 Traveller Details

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✈️ Travel & Coverage Details

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High-Value Items in Your Baggage (tick all applicable)

Laptop / Tablet / Computer equipment Camera / Photography / Videography equipment Jewellery / Watches Medical equipment / CPAP / Specialist devices Sporting equipment (golf clubs, dive gear etc.) Musical instruments Product samples / Business merchandise General clothing, toiletries, standard items only

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By submitting you agree to our Privacy Policy and Terms & Conditions. Baggage insurance is subject to declaration of items and their values at policy inception. Settlement is based on the market value at time of loss. Probitas Insurance Brokers Pvt. Ltd. · IRDAI Lic. No. 528.

Baggage Insurance Policy — Protect Your Luggage & Personal Belongings Against Loss, Theft, Fire & Accidental Damage While Travelling —Domestic & International · Baggage Delay Cover · Family Coverage · Market Value Basis