{{ vm.loadingText }}
Review and complete details to get a price.
from
$
{{ vm.myQuote.weeklyPrice }}/week
That's {{ vm.myQuote.totalPrice }} {{ vm.myQuote.paymentFrequency }}
Review quote
{{vm.myQuote.coverFor}} {{ vm.myQuote.coverScale }} in {{vm.myQuote.state}}, with no Australian Gov. Rebate. with a {{ vm.myQuote.rebate }}% Australian Gov. Rebate. Edit
from ${{ vm.myQuote.product.price }}/week
+
from ${{ vm.myQuote.extras.price }}/week  
  • Add-ons:
  • {{ addon.title}} ${{ addon.price}} /week (included)
from
$
{{ vm.myQuote.weeklyPrice }}/week
That's {{ vm.myQuote.totalPrice }} {{ vm.myQuote.paymentFrequency }}
Review quote
{{ vm.productAddedTitle }} {{ vm.productAddedSuffix }}
You're from Overseas
133 423

HBF travel insurance

How to claim the cost of lost or stolen luggage

How to claim the cost of lost or stolen luggage

(and avoid losing it in the first place)

Author Sally Grandy
Date 12 June, 2018
Time to read 6 minutes
Luggage

We’ve all heard tales of people who’ve been left to holiday without their luggage.

However, the reality is that there is just a 7 per cent chance of having your luggage stolen or lost and never to be seen again, according to a 2017  international study by Air Transport Communication Specialists SITA

But there are ways you can minimise the chances of this happening at the airport or while travelling, and some practical steps you should take to make claiming on your insurance a simple process.

What to do before you take off

HBF travel insurance spokesperson John Martelli says you should check in well ahead of your flight as baggage handlers need time to load your luggage onto the plane.

Another simple tip is to put a luggage tag inside your case should the outer one come off, and choose a suitcase that is slightly different. This may help someone else from picking it up accidentally on the carousel.

Make sure you are waiting for your bags when you land

Most bags that find themselves in the wrong hands have been taken by mistake, but police prosecuted one man in 2009 at Phoenix International Airport in the US when it was discovered that he and his wife had stolen approximately 1,000 pieces of luggage and allegedly sold the contents at garage sales.

If your luggage is taken by mistake, travel insurance may cover the cost of your luggage. You most likely will need to prove that you were not acting irresponsibly, for example forgetting to wait for your luggage at baggage collection, and lodge a report for the missing luggage with an appropriate authority within 24 hours.

Depreciation may be factored into any payout as your insurance policy may not offer new for old so items may be assessed on current valuation.

If you really want to ensure you’re not a victim of lost luggage, Kansai International Airport in Japan was given the title as the World's Best Airport for Baggage Delivery by Skytrax in 2018.

Report missing luggage to your airline straight away

If an airline loses your luggage, they are obliged to cover the cost of ‘essential items’. Depending on the airline, essential items may be classified as toiletries, underwear and clothing, but each airline will define ‘essentials’ differently.  If there is an airline desk in the luggage reclaims hall, it’s a good idea to report to them straight away.

Martelli says you’re likely to be covered if items do disappear within an airport terminal.

“We recently paid out $1,300 to a traveller who lost a bag after going through a security scanner,” Martelli said. 

“It fell out of a larger bag. The airport was notified but couldn’t find it.  The bag contained among other things reading glasses, an iPad, and jewellery.

“HBF paid out $1,300 and the traveller’s policy was just $168 for the whole of his trip to the UK, so it was money well spent.”

Be vigilant if you want to make a successful claim

While you want to relax on your holiday, it’s important not to let your guard down where travel insurance is concerned.

Monitor your valuable items closely, because your claim will have a much greater chance of holding up than if you’ve been negligent or careless.

Plus, you may need to demonstrate that you looked after the item to the best of your ability.

Wherever you are, make sure you report what has gone missing to the police within 24 hours and keep a copy of the report they give you. In most instances, an insurance claim cannot be made without this report.

HBF recently paid out for a missing backpack stolen on a train, as Martelli explains.

“We had a member who was travelling from London to Manchester, his backpack was next to him and he fell asleep en route to his destination,” Martelli said.

“The backpack was stolen and inside were items such as an iPhone, aftershave and jewellery. 

“He informed the police and lodged a claim and HBF paid out $4,200 for the total contents.

“He’d taken the best steps possible to look after it, and anyone could have inadvertently drifted off to sleep.”


This article is sponsored by HBF Travel Insurance.
HBF Travel Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 (IAL) trading as CGU Insurance.  HBF Health Limited ABN 11 126 884 786 is an authorised representative of IAL. Any advice provided is general only. Always consider the PDS available from hbf.com.au/travel-insurance to see if the product is right for you.

It looks like you're from Outside Australia

We need to confirm your location to show you the correct content, products and pricing.

No, I'm not from Outside Australia

Sorry, your product selection isn't available if you live outside Western Australia.

Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.

You're about to see content designed for people outside WA.

Content, products and pricing information is different if you live in Western Australia.

Oops! This product isn't available in your state

The product you’ve selected isn’t available for purchase in your state.

Please select your state or territory

We need to confirm your location to show you the correct content, products and pricing.

Change your state or territory

If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.

WA NSW VIC SA TAS NT QLD ACT I'm visiting from outside of Australia
Would you like personalised pricing? Add product to your quote Edit your details
To show accurate prices relevant to you, we need to know a little about you first. Thanks for selecting your product. So we can proceed with your quote, please fill in the following details.
I want cover for:
Single
Couple
Family
Single Parent
Please select your cover type
Your level of cover is not compatible with this product
Are you an Australian resident?
Which type of visa do you hold?
Please select your Visa type
Please specify your Visa number
Please enter your 3-digit Visa number
Is your visa subject to the 8501 condition?
Please specify your choice
Hospital or package products in your quote may not be suitable for overseas visitors. If you continue, we'll remove these from your quote.
Some products may not be suitable if you are an Australian resident or don't meet the Visa requirements. If you continue, we'll remove these from your quote.
Hospital or package products are not suitable for overseas visitors.
Some overseas visitor products are not suitable if you are an Australian resident or don't meet the Visa requirements.
What is your DOB?
  • Please enter your birth date
    Our products are suitable for ages 18 to 101
    {{vm.dobMinAgeMessage}}
    {{vm.dobMaxAgeMessage}}
    Australian Government Rebate
    Where do you live?
    Please select where you live.
    Sorry, your product selection isn't available if you live in {{vm.stateLabel()}}. Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.
    Now that you've confirmed your location, we'll refresh the page with the most relevant content, products and pricing.
    Your product selection isn't available if you live in {{vm.stateLabel()}}. If you continue, we'll remove these from your quote and refresh the page with the most relevant content, products and pricing.
    You've changed your location. If you continue, we'll refresh the page to make sure you have the most relevant content, products and pricing.
    How often do you want to pay?
    Cancel (this option will show estimated pricing only). Cancel Cancel
    Find my cover
    Add to quote
    Save your details