Travel insurance

The report of lost baggage would be required.

Asyou have a police cetificate you can claim with insurance company with original invoice of your machine

please read the terms and conditions of yr insurance. that would correctly give you the clue pls

We are really thankful to Lawyers Club of India and its respected members for their social contribution to society. 

Attached file is showing benefits and coverage in the policy under different plan and  we have obtain Silver Plus Plan.

Now we want to know whether we can claim for lost of hand baggage.

Best Regards,

Ramesh

The Insurance company denied to pay claim saying that only CHECKED IN  baggage are covered in their policy.  Company statement is :-

""""In this regard, please note that the Travel Guard Policy taken by you does provide coverage only for Loss of checked in baggage.

For your ready reference the extract of relevant policy wording is given below :

“We will pay benefits, in the case of permanent loss of an entire piece of Checked Baggage, held in the care, custody and control of Common Carrier.  Benefits will only be payable in case of the loss of an entire piece of checked baggage, and not for damage to the luggage or partial loss of its contents.”In this regard, please note that the Travel Guard Policy taken by you does provide coverage only for Loss of checked in baggage."""

1. When in a travel policy in which many  thing are covered like : Death,  Disease,  Accident,  Passport, Hotel, Flight delay, Delay of baggage, Checked in baggage, Third party loss, Third party damage, Theft at home and many more things are covered.

My query is :-

(1) Why Lost of hand baggage is not covered ?  ( To take separate policy for hand baggage is not practical).

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(2) Can any company denied simply saying " Not covered in our policy wording".

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(3) What action can we take? 

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Please advise.

You cannot go beyond the terms and conditions of the policy that you have signed with the insurance company for the purpose.  If the risk is covered to any particular event (s), one cannot make a claim for uncovered event, be it a loss of hand baggage or some other thing which is not in the list of items covered. Therefore in my opinion, you have to satisfy with the police complaint aloe for the loss of article as per the complaint lodged especially with particular reference to the condition quoted by you in the above post.