Thanks. I've called them and gone through to Chubb who said a 6 hour delay can receive up to a $200 payment for replacement clothes and toiletries. I assume that means the one outfit. It gets a bit more vague after that but I think they pay another $200 up to 48 hours. Then if it's lost for good I've got to claim with receipts or other evidence.
I think it will turn up but it will be too late for my purposes, that is, the walk, so I'm not sure how a claim goes then. I will be replacing everything now at my cost but could end up with two of everything.
I have pretty extensive experience in this area, which is kind of ironic given I so rarely check a bag. I'd say I'm at a 80% hit rate on delayed/lost baggage on the odd occassion I have to check it in.
The best airline I've dealt with? Enter Air. A little / unknown Polish charter airline -
@RooFlyer and
@k_sheep know them. They paid up in full without any quibble, although it was only £300 or so worth ($600) (just under 1.5 weeks without bag).
I had a long, torturous experience with AA/AS - but in the end after a complaint to the DOT, eventually they paid up in full (1.5 weeks without bag).
In both instances, AMEX insurance was an option and I didn't have to call/lodge with them right away, indeed when I started one claim it was 3 weeks after arriving back. In the UK, on the platinum charge card they'll pay up to £300 usually (based on receipts only). You can also split the difference, so try the airline first and if they pay out X, use TI for the gap Y. Hopefully in your case that'll cover it. AMEX were very pleasant and deal with and paid out quick. No excess, either. Interesting that for you, Chubb doesn't seem to have a limit with receipts and the up to $200 is based on ...... no receipts?
The worst airline I've dealt with? UL, even with a complaint raised with their local aviation authority.
The in between airlines I've dealt with ......... AT, AF, SN, BA.
