Does a delayed luggage claim affect travel insurance premium?

Flew with British Airways from UK to Valencia. Checked in a suitcase which has not arrived here in Valencia. Now on Day 2 and with only one flight a day, it may arrive on Day 3 or when I’m back home. Hoping its not lost as I was the only passenger with a missing luggage on my flight. 

I have purchased essential toiletries and two jumpers (still wearing same jeans, socks & shoes I left home with) assuming my luggage wld have arrived by now. I’m now minded to buy nightwear and change of trousers.

BA’s website suggests customers may be better off claiming expenses via travel insurance. Would such a claim affect my travel insurance premiums when it’s due for renewal later this year? 


  • elsien
    elsien Posts: 32,672 Forumite
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    edited 6 January 2023 at 1:48PM
    To paraphrase slightly, they would say that, wouldn’t they? 
    I would expect an insurer to ask whether you’d done everything you could to claim from the airport or airline or whoever is responsible first,  before they would consider paying out. Have you checked the lost luggage terms and conditions on your policy? And is there an excess which would make the claim not really worthwhile?
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • DullGreyGuy
    DullGreyGuy Posts: 10,264 Forumite
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    Travel insurers dont ask about claims experience
  • kinsae112
    kinsae112 Posts: 46 Forumite
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    Travel insurers dont ask about claims experience
    Ah thanks; hadn’t realised that!
  • kinsae112
    kinsae112 Posts: 46 Forumite
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    Thanks elsien. I’ve only checked if my insurance included luggage cover; will check if there’s an excess payable. 

  • youth_leader
    youth_leader Posts: 2,455 Forumite
    First Post Name Dropper First Anniversary Stoptober Survivor
    Do keep hoping, Quantas lost our luggage for about five days when we arrived in Sydney, did turn up eventually.
    £216 saved 24 October 2014
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