Claiming for delayed baggage with N26 Black Insurance

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:
p&  (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 p& and it bounced back as address not found.

16 June: I resent the query to I received a response confirming the receipt of the email.

21 June: After not hearing back I emailed the claim and supporting documents to 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 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 experience:

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 email address. It appeared to be the quickest way to get a reply.

In the interest of full-disclosure, links to N26 are affiliate links. Should you click through to N26 via my affiliate link and sign up to their bank account I will receive a small commission payment. These affiliate payments have no impact on my reviewing of the product. If you believe I have been influenced by the potential commission when reviewing a product please call me out. 

4 Replies to “Claiming for delayed baggage with N26 Black Insurance”

  1. Hey,

    Just have maybe stupid question „Proof of purchase with your N26 Black Account – screenshot of the transaction” purchase of what? Flight ticket or suitcase?

    1. There’s no such thing as a stupid question. You need proof of purchase of the flight ticket. It must be paid by your N26 account via bank transfer or debit card transaction.

  2. Hello,
    I am not sure I understand this “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” : can I get a compensation for the delay even if I don’t have proof that I purchased some items while waiting?

    Thanks in advance for the explanation!

    1. Yes that was the case when this article was written. I received €400 and my only expenses where $10 taxi ride to pick up the bag. However N26 have updated their included insurances and it is no longer the case – now it is reimbursement for expenses. I will have to update this article.

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