The insurance covers private luggage or baggage up to the sum insured specified within the policy. It includes all objects, which the insured person has carried with them for personal use throughout the journey or have been handed over to a transportation company for transport to the travel destination.
Damage to luggage
The insurance covers damage to luggage as a result of theft or sudden, unforeseeable damage, destruction or loss. Parachutes, paragliders, hang gliders and kitesurfing equipment are only insured against theft or loss.
Delayed luggage
The insurance covers the costs for absolutely essential acquisitions of replacement items up to 30% of the sum insured, if the luggage handed over to a carrier for transportation is delayed.