What to do if the airline loses your luggage
Lost luggage is a surprisingly common phenomenon. Nowadays most airlines electronically tag all bags, and even if they get put on the wrong flight, they'll usually find their way to your hotel in 24 hours. In most cases, once it does arrive, a courier service will deliver it from the arrival airport to you at your hotel with delivery charges paid by the airline.
The first thing to do when your luggage doesn't turn up on the carousel is to find an airline representative or the lost baggage desk and tell them. They'll fill in a Property Irregularity Report that details what’s happened. Try to give them as much information about your bag and be accurate with your forwarding address.
You must get a lost luggage report, and this document normally carries the contact details so that you can check the progress of the finding your luggage. (Try to use a local landline when checking on progress as call costs aren't covered by the policy.)
Cheap Travel Insurance policies include a benefit that pays for immediate necessities after you have had a delay lasting more than 12 hours to tide you over until your bags arrive. Remember, act like you haven't got insurance, keep your expenses to a minimum and try and get receipts for all your purchases as you will need to provide these when you lodge a claim. No excess applies to this benefit.