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Miscellaneous Insurance Plans

Baggage Insurance Policy


Solutions for a Mixed Bag of Needs


​You can make use of this policy if you are travelling with baggage anytime and anywhere in the world.​

To understand eligibility better, please read the policy wordings.​

​Why get baggage insurance for your baggage? Baggage insurance can help you in numerous ways. The main benefits of getting travel cover for your baggage are:

  • It will reimburse you for medication, clothes, and other required items while you are abroad if your baggage is delayed in arriving at your destination.
  • It also provides reimbursement if your luggage is lost, stolen or damaged during your travels.

Our Baggage Insurance Policy will cover you up to the intrinsic value of your accompanied personal baggage or that of your family members or even employees. The baggage must be accompanied by the owner. This Baggage Insurance Policy will compensate for any loss or damage the baggage suffers from any accident at any time while travelling on tour or on holiday in all places and situations. The company shall indemnify the insured in case of damage or loss of baggage. This covers the insured whilst on holiday or tour, whether in India or abroad, during the coverage period of the baggage insurance.

The main risks that Baggage Insurance Policy guards against are:

  • Fire
  • Riot and strike
  • Burglary
  • Theft
  • ​Accidental damage

Terms you should know before you take travel cover for your baggage:

  • "Intrinsic Value" means reinstatement value of insured property or item less due allowance for betterment, wear and tear and/or depreciation.
  • "Sum Insured" means the Monetary Amounts shown against item/s insured.
  • "Period of Insurance" means the period between the commencement date and the expiry date shown in the Schedule.
  • "Contents"​ means items declared for insurance and specified in the Schedule.
  • "Accident" means a circumstance that pertains to sudden, unexpected and unintentional damage not excluded under the policy.
  • "Family" means the Insured Person/primary Insured Person, his/her lawful spouse, and dependent child/children.

This is not an exhaustive list. For ​a detailed list of ​inclusions & other details, please read the policy wordings​​​​.​​

​A baggage insurance policy has ‘named excluded perils’ which means specific risks that will not be covered. These risks include:

  • Spillage
  • War and rebellion
  • Wear and tear
  • Civil commotion
  • Seizure, arrest or detainment by the Government
  • Pilferage
  • ​Terrorism
  • ​Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation
  • ​Consequential loss or any legal liability
  • ​Deterioration arising from moth, vermin, insects or mildew or any other gradually operating cause
  • ​Breakage, cracking or scratching of crockery, cameras or similar articles of fragile nature, unless caused by fire or accident to the means of conveyance
  • ​Loss of damage arising from war or terrorism
  • ​Loss of or damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, stamps, business books or documents, jewellery, watches, furs, precious metal, precious stones, gold and silver ornaments, travel tickets, cheques and bank drafts.
  • ​Theft from any car except car of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened.
  • ​Loss, destruction or damage to articles which did not form part of the baggage when the travel commenced unless specifically declared and accepted by the Company.
  • ​Loss destruction or damage caused by leakage, spilling or exuding of liquids, oils or because of articles which are dangerous or damaging in nature

This is not an exhaustive list. For ​a detailed list of ​inclusions & other details, please read the policy wordings.​​​​

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Customer Reviews

Customer Reviews

N. Rama Mohan Rao


Thank you very much for your prompt service, While taking insurance from your company, some people told that, if I take insurance from other than car dealer, I have to face problem (Like visit to dealer and insura​nce company surveyor and office, no cashless facility etc) while claim comes, you have pro ven that all th ose words are wrong and we can take from other than dealer also, I would like to express my please for your service .​