01
The 1,519 SDR figure is a ceiling
ICAO increased the Montreal Convention limit for destruction, loss, damage or delay of baggage from 1,288 to 1,519 Special Drawing Rights with effect from 28 December 2024. The limit is generally per passenger, not per bag.
It does not guarantee payment of 1,519 SDR. An airline assesses the reasonable expense or proven current value of the loss, subject to the rules that apply to the journey. SDR exchange rates change, so avoid publishing or relying on a fixed pound equivalent.
02
Different problems need different proof
- Delay: necessary, proportionate expenses and dated itemised receipts.
- Loss: an item-by-item inventory with age, condition and evidence of value.
- Damage: airport report, clear photographs, proof of age/value and a repair assessment.
- Missing contents: photographs, inventory evidence and details of when the bag was under airline control.
03
Put the main deadlines in writing
Where the Montreal Convention applies, a written complaint for damage must generally be made within seven days of receiving the baggage. A written delay complaint must generally be made within 21 days of the date the baggage was returned.
The Convention generally extinguishes the right to damages if court action is not brought within two years, with the calculation governed by the law of the court hearing the case. Airline and insurance notice requirements can be much shorter, so act promptly.
04
Compare the airline and insurance routes
Travel insurance may cover items or situations differently and may apply an excess. Ask what documents the insurer needs before accepting a settlement. You cannot be compensated twice for the same loss, but one route may cover a shortfall that the other legitimately excludes.
If the airline rejects a well-supported claim, use its complaints process and ask whether an approved alternative dispute resolution body covers it. The UK CAA explains when its Passenger Advice and Complaints Team may be able to help.