If you follow this blog you’ll know I have a N26 Black account and I’m a big fan. N26 offers two personal accounts in Ireland – the standard account which is free or N26 Black account which costs €5.90 per month as well as a business account. The N26 Black account comes with included travel, mugging, extended warranty and mobile phone insurance. Also, the 1.7% fee for foreign ATM withdrawals is waived for Black customers.
On my recent trip when I arrived at the destination airport there was no sign of my bag. It turns out it missed the connection and the next flight wasn’t until the following day. Sure enough the following day I got a call saying the bag arrived and I went back to the airport to collect it. The only expenses I occurred was $8 for the taxi to and from the airport to collect the bag and around $10 for toiletries so around €15.
If your bag is delayed by over 6 hours, the insurance pays out €100 per hour up to a maximum payment of €400 per trip. This means if your bag is delayed multiple times during a trip the maximum combined payment is €400. This is compensation for the inconvenience of having a delayed bag and not reimbursement for expense. “The reimbursement is not directly linked to the Beneficiary’s actual purchase while waiting for his baggage to arrive but is a forfeit per started waiting hour”
What is required to claim?
- Travel documents showing booking confirmation number e.g. boarding card or email confirmation
- Written confirmation from the airline that the baggage was delayed stating when it was finally delivered
- Proof of purchase with your N26 Black Account – screenshot of the transaction
- IBAN and BIC of your N26 Black Account
- Your N26 Black ID. You can find this by going to App -> N26 Black -> N26 Black.
- Purpose of visit e.g. sightseeing/trekking/visiting friends.
- Permanent Address
Where to send the claim?
The Insurance Terms and Conditions listed on N26’s website says that claims must be emailed to:
On the N26 Black section of the app the email address was listed as:
email@example.com (Although this seems to have been removed)
The email for general queries is listed as:
The Claims Timeline:
16 June: I sent a query to firstname.lastname@example.org and it bounced back as address not found.
16 June: I resent the query to email@example.com. I received a response confirming the receipt of the email.
21 June: After not hearing back I emailed the claim and supporting documents to firstname.lastname@example.org and received an auto-reply confirming receipt of the claim.
3rd July: I received a reply to the claim sent in on the 21st June requesting my permanent address and purpose of trip.
7th July: I received a response to my query sent on the 16th June.
13th July: I replied to the email sent on the 3rd with my permanent address and purpose of trip.
30th July: I had not heard back so I replied to email@example.com asking for an update
1st August: I received a response stating the claim was approved.
3rd August: The €400 was deposited into my N26 Black Account.
Overall I was quite happy with the claims process but it could definitely be improved. It would be nice to be able to upload documents, respond to the claim and view the current status all from within the N26 App. If I ever need to claim again I think I will just use the firstname.lastname@example.org email address. It appeared to be the quickest way to get a reply.