Carrier first
Report loss to the airline or other carrier and keep the case number and any payment they provide.
Theft
File a police or local authority report when required and keep the report number.
High-value items
Electronics, cameras, jewelry and specialized gear may have per-item or category sublimits.
Proof of ownership
Receipts, photos, serial numbers and payment records can strengthen a claim.
Depreciation or replacement rules
Read how the policy values property rather than assuming full new-for-old replacement.
Next step
Use the comparison guide and read the current policy certificate before relying on any benefit.