Travel Luggage Insurance
Your luggage protected, wherever you travel
A lost, damaged or stolen suitcase can ruin the start of a trip. Our travel luggage insurance protects your belongings against loss, theft, damage and delay during private travel, both in Germany and abroad.
Benefits of this insurance
Protects your luggage on any private trip within and outside Germany.
Covers the most common risks during transport and while at your destination.
Reimbursement of essential expenses if your luggage is delayed for more than a few hours.
What is covered
Loss and theft of luggage
Covers the replacement value of your luggage and its contents in case of theft or loss during the trip.
Damage during transport
Covers damage to your luggage caused by transport companies, hotels or other third parties.
Delayed luggage delivery
Reimburses essential purchases (clothing and toiletries) if checked luggage arrives late.
Valuables within limits
Jewelry, cameras and electronic devices are covered up to the limit set in the contract terms.
What is not covered
Unattended items
The loss of valuables left without proper supervision, for example on the beach or in a parked vehicle, is not covered.
Cash and documents
Cash, checks and identity documents are generally excluded or covered with very tight limits.
Normal wear and tear
Ordinary wear of luggage from use is not covered.
Real claim examples
Suitcase lost on a connecting flight
During a connecting flight, Ana's suitcase gets lost and never reaches its final destination. The insurance reimburses the replacement value of the luggage and its contents.
30-hour luggage delay
Tobias's checked luggage arrives more than a day late at his vacation destination. The insurance covers the urgent purchase of clothing and toiletries.
Suitcase damaged by the airline
When collecting her luggage, Laura finds her suitcase with a broken wheel and a large tear. The insurance covers repair or replacement of the suitcase.
Frequently asked questions
Which trips does the insurance cover?
It applies to all private trips, both within Germany and abroad.
What happens if my suitcase is delayed?
If checked luggage arrives significantly late, the insurance reimburses essential purchases up to the set limit.
Are valuables like cameras or jewelry covered?
Yes, but within a specific limit per item and per policy as set out in the contract terms.
Do I need to report theft or loss?
Yes, it is essential to file a report with the local police or an irregularity report with the transport company in order to process the claim.
Can I take it out right before traveling?
Yes, luggage insurance can be taken out as a single policy for a specific trip or as annual coverage for frequent travelers.
Traveling soon and want to protect your luggage?
Tell us your travel dates and we will help you choose the right coverage.
Request free advice