Make sure you have your policy number, photos of the damage and purchase receipts at hand.
What your travel insurance covers in case of theft, loss, or damage
Damaged, stolen, misplaced or delayed luggage is the last thing you want to worry about when you are on holiday. Fortunately, ABN AMRO travel insurance gives you excellent cover for such situations.
Damage, loss, or theft while travelling: how to report damage
Collect the information you need
Claiming process
ABN AMRO Verzekeringen will handle your claim and request additional information, if necessary. Under 'view claim', you can see who is handling your claim and the status of your claim.
Personal claims handling
We will provide you with a personal claims manager who will be on hand to answer any questions you have about your damage and insurance.
How we help you in the event of damage, loss, or theft
You would like to have a carefree holiday. That’s why we don't want to make things more difficult for you than they already are. To make sure that doesn’t happen, we will:
- Provide a personal claims manager who will answer any questions you have
- Provide 24/7 emergency assistance
- Pay out the costs incurred for buying essential items, such as clothing and toiletries, if your personal luggage is delayed by more than 8 hours during the outward journey
What is covered and what is not?
What is covered:
- Loss or theft of luggage
- Extended stay as a result of a natural disaster, strike or industrial action
- Damaged or lost tent
What is not covered:
- Damage or loss resulting from wilful acts or from being under the influence of alcohol, drugs, or medication
- Damage or loss resulting from a dangerous sport
- Damage or loss resulting from travel to a country against advice from the Dutch Ministry of Foreign Affairs
We also reimburse this if you have purchased the additional cover options:
- Accidents during winter sports with the winter sports cover
- 24/7 breakdown assistance within Europe with the Europe breakdown assistance cover
- Cancellation of a trip with the additional cover Cancellation
- Costs of medical treatment or medication with the Medical Expenses cover
- Damage, loss, or accident during a business trip with the Business travel cover
Frequently asked questions
What should I do if my luggage is stolen?
If you are the victim of theft or robbery while travelling, it is important to report (in Dutch) this to the police. Even if you are abroad. If your bank and/or credit cards have also been stolen during the incident, block them immediately via the ABN AMRO app or Internet Banking. This will increase your chances of recovering your belongings and we can handle your claim.
Annual travel insurance
The most we will pay out for the stolen items is up to €3,500. If your stolen items are recovered within 6 weeks after we have already paid out the applicable amount, you must reimburse us.
Short-term travel insurance
The most we will pay out for the stolen items is up to €1,750 with the standard cover or up to €3,500 with the comprehensive cover. If your stolen items are recovered within 6 weeks after we have already paid out the applicable amount, you must reimburse us.
I’ve been the victim of theft and my cash has been stolen. Am I covered?
Annual travel insurance
We will pay out up to €250 in the event of theft or robbery, provided this is not due to negligence on your part, and you did not leave your money on the hotel room nightstand, for example. See the terms and conditions for annual travel insurance (PDF, 375 KB) .
Short-term travel insurance
We will pay out up to €250 in the event of theft or robbery, provided this is not due to negligence on your part, and you did not leave your money on the hotel room nightstand, for example. See the terms and conditions for short-term travel insurance (PDF, 322 KB) .
Am I insured if my luggage has not arrived at the destination airport?
One of the most nerve-wracking aspects of travelling happens just after you have arrived at your destination: finding your way to baggage claim and hoping your luggage will come rolling around on the conveyor belt. If this is not the case and your luggage is delayed by more than 8 hours this will be reimbursed up to a maximum amount.
Annual travel insurance
If your luggage is delayed by more than 8 hours, the most we will pay out is up to €600 per travel group, per trip.
Short-term travel insurance
If your luggage is delayed by more than 8 hours, the most we will pay out is up to €300 per travel group, per trip with the standard cover. With the comprehensive cover this is up to €600 per travel group, per trip.
My luggage has been damaged. What personal items does my insurance cover?
If your luggage has been damaged, for example during the flight, or if you drop your camera while taking some awesome action pictures, we will pay out the repair costs. If your personal items are beyond repair, we will pay out the current value. However, we will need the proof of purchase to determine the exact amount.
I lost my sunglasses while travelling. Is it covered under my policy?
Annual travel insurance
The most we will pay out is up to €500 of the current value of your sunglasses. However, we will need the proof of purchase of your old sunglasses to determine the exact amount.
Short-term travel insurance
The most we will pay out is up to €250 of the current value of your sunglasses. With the comprehensive cover this is at most €500 of the current value of your sunglasses. However, we will need the proof of purchase of your old sunglasses to determine the exact amount.
Interesting for you
Your trip well insured
If something happens while you’re travelling, the last thing you want to think about is which insurer you need to call. That’s why it’s a good idea to have all your insurance policies, such as your travel insurance, your car insurance and your liability insurance, in one place. If you’d like to know which insurance policies might be useful during your trip, read this.
Leaving earlier: what now?
If you would like to return home earlier than planned due to your own illness or the illness of a family member, read your travel insurance policy to find out what it covers if you fall ill during your trip or holiday.