MetEx House, 496a Great West Road, Hounslow, Middlesex, TW5 0TE  ·  Shipping since 1998
0800 096 38 39
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🛡 Insurance • Liability • What to Declare • Est. 1998

How Does Luggage Shipping
Insurance Work?

Your shipment travels under freight carrier liability from the moment we collect. Here is the honest explanation of what is covered, what the limits are, and how to make sure your specific items are protected.

How it works

What happens to your shipment if something goes wrong

Insurance in international freight works differently from standard parcel insurance. Here is the honest explanation of how cover works, what it covers, and what the limits are — before you need to use it.

Your shipment travels under the freight carrier’s standard liability. This is a baseline level of cover that all international air freight carriers are required to provide under IATA conventions. For most personal effects shipments, this baseline is adequate.

If you are shipping high-value items — electronics, jewellery, designer clothing, professional equipment — you should declare the higher value at booking and ask about enhanced cover. The standard baseline is calculated on weight, not item value. A £2,000 laptop travelling on standard liability is covered at the weight-based rate, not the replacement cost.

What matters most

The most important thing about shipping insurance

In 28 years of shipping, the most common “insurance claim” scenario is not loss or damage — it is a customs hold. And a customs hold is not an insurance event. It is a documentation event. This is why we focus on getting documentation right at booking.

Genuine loss of an international air freight shipment is rare. The freight network is extremely reliable. What we do see occasionally: external damage to a bag from handling. For suitcases, hard-sided cases fare significantly better than soft-sided bags. If the contents of a hard-sided case are worth declaring at a higher value, do so at booking.

The rule: tell us what you are shipping and what it is worth. We advise on the appropriate cover for your specific shipment. Do not under-declare to save on the insurance premium — if you need to claim, the payout is based on your declared value.

💡 The declaration that matters most

The packing list that protects you at customs is the same list that protects you on an insurance claim. A detailed item-level packing list with realistic declared values is the most important document in your shipment.

FAQs

Insurance questions answered

Is my luggage automatically insured when I ship it?
Your shipment travels under the freight carrier's standard IATA liability. This is a baseline cover calculated on weight. For most personal effects shipments it is adequate. For high-value items, declare the value at booking and ask about enhanced cover.
What if my bag is damaged in transit?+
Contact us on 0800 096 38 39 with your Air Waybill reference and a description of the damage. We initiate a claim with the freight carrier. Photograph the damage before unpacking and keep all packaging — this evidence supports your claim.
How do I make a claim?+
Call us on 0800 096 38 39 with your Air Waybill reference. We guide you through the process. You will need: Air Waybill number, packing list, evidence of damage or loss (photos), and your declared value declaration.
What is not covered by freight insurance?+
Inherently fragile items (glass, ceramics) unless professionally packed. Items that are prohibited — if a prohibited item is seized, that is not an insurance event. Consequential losses — insurance covers the item value, not costs arising from the delay.
Should I use hard-sided or soft-sided cases?+
Hard-sided cases offer significantly better protection for the contents. For air freight, hard cases are recommended for anything fragile or high-value. Soft-sided cases are fine for clothes and soft goods.

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Excess Luggage Co. • Est. 1998 • 0800 096 38 39
Get a Quote 📞 0800 096 38 39
💬 WhatsApp