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Travel insurance - Theft: luggage

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Based on resolver’s experience to date, having luggage or items stolen can ruin your holiday. If your luggage is stolen at the airport, obtain a PIR (Property Irregularity Report). The PIR must be given to you if your luggage was checked-in when it was stolen. Contact the local police station with 24 hours to get a police report and do the same with your insurer as most travel insurance policies have strict time limits about reporting thefts of goods to the local police and will want to see a copy of the police report. If you have receipts for any recently bought items that were stolen you should send these to your insurer to aid your claim. Keep a note of where your luggage was located when it was stolen and also keep your airline tickets or holiday confirmation that contains details of your travel dates – you will need these to back up your claim. However, policies often do not cover valuables that go missing from your suitcase between the times they are checked in until you collect them at your destination, or when they have been left unattended so always keep valuables in your hand luggage. Your home contents insurance might provide cover personal belongings ‘away from the home’ – you should check when taking out your travel insurance to avoid paying twice. If you have any queries regarding your claim, resolver recommends that you submit your concern in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know
  • If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.



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Helping you with Theft: luggage

Resolver covers the issue Theft: Luggage for 106 companies and organisations:

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