Verified 8 September 2026. Competitor terms read 26 July 2026.
Short answer. Usually less than you think, and often not insurance at all. Of the four main luggage-storage operators in Bangkok, one publishes cover that its own terms say “does not constitute a contract of insurance”, one publishes two different limits in two of its own documents, and one pays only after your own insurer has declined your claim. Read the unit as carefully as the number: per bag and per booking are not the same protection.
Nobody in this market publishes a straight answer to this question, so here is ours — including the part where our own cover is weaker than a competitor’s on paper. Every figure below was read from the operator’s own published terms, with the date we read them.
What each operator actually publishes
| Operator | Stated cover | Unit | The catch |
|---|---|---|---|
| AIRPORTELs | ฿50,000 | per booking | Not per bag — several valuable bags share one ceiling |
| Bellugg | ฿10,000 or ฿50,000 | per piece (in one document) | Two different limits in its own documents; neither says which governs storage |
| Bounce | US$10,000 “Bag Protection” | per booking | Its own terms say this “does not constitute a contract of insurance” |
| LuggageHero | US$500 included, up to US$3,000 optional | per bag | Its help centre says cover applies only after your own insurer has processed or declined |
All competitor terms read on 26 July 2026; operators change them without notice.
“Protection” and “insurance” are not the same word
The most important thing on this page is a distinction in the paperwork, not in the price.
…does not constitute a contract of insurance and is offered at the sole discretion of Bounce.Bounce, its own terms and conditions covering Bag Protection — read 26 July 2026
Bounce’s help centre repeats the point, that Bag Protection “is not an insurance contract”. That is not a hidden clause and we are not accusing anyone of hiding it — it is published, plainly, in the document you agree to. But it changes what the headline US$10,000 means. A discretionary goodwill scheme and an insurance policy fail in different ways, and they fail differently on exactly the day you need them.
Per bag or per booking? The unit decides everything
This is where our own offering comes off worst, so we will state it plainly.
- AIRPORTELs insures ฿50,000 per booking, not per bag. Store one laptop bag and the ceiling is generous. Store four suitcases on one booking and all four share that same ฿50,000. If you are checking in several genuinely valuable bags, that is a real limitation and you should weigh it against a per-bag cap.
- Bellugg’s terms and conditions state ฿50,000 per piece of luggage — on paper, better than ours for multiple bags. The difficulty is that its storage FAQ and depository terms state ฿10,000, and reading both on 26 July 2026 we could not find a statement of which governs a storage booking. A better number you cannot rely on is not obviously better than a smaller one you can.
- LuggageHero’s US$500 per bag is the only unambiguously per-bag figure in the group, with optional cover to US$3,000 per bag — but see the secondary-cover trap below.
Does your travel insurance cover a stored bag?
Often not, and this is the assumption that catches people. Travel policies commonly restrict baggage cover to items in your possession or in a carrier’s custody, and a paid storage counter is neither. Many exclude valuables — laptops, cameras, jewellery, cash — from baggage cover generally, or cap them well below the item’s value.
We are not going to summarise your policy for you, because policies differ enormously and getting this wrong costs you money. What is worth doing is specific: search your policy document for “unattended”, “left luggage”, “storage” and “valuables” before you assume you are covered twice. If the answer is unclear, that is itself the answer — treat the operator’s cover as the only cover you have.
What actually protects a stored bag
Cover is what happens after something goes wrong. These are the things that reduce the chance of needing it, and they cost nothing.
- Photograph the bag before you hand it over — all four sides and any existing damage, with the time visible if you can. Almost every dispute about a damaged bag is a dispute about whether the damage was already there.
- Take the valuables out. Passport, laptop, medication, cash, jewellery. No storage cover in this market is designed for a bag full of electronics, and several explicitly exclude them.
- Keep the receipt or booking reference until the bag is back in your hand — not until you have collected it, until you have checked it.
- Prefer a counter that records the bag’s condition at drop-off. At our counters every bag is x-ray screened, tagged and photographed when you hand it over, so its condition is on record independently of your own photographs. That is the single most useful thing an operator can do for you, and it is worth asking about wherever you store.
- Check the bag before you walk away — at collection, in front of the counter. A problem raised at the desk is a conversation; the same problem raised from the airport is a claim.
Common questions about luggage storage insurance
Is luggage storage insured against theft or damage?
Sometimes, and often not in the way the word suggests. Of the four main Bangkok operators, AIRPORTELs includes insurance up to 50,000 THB per booking; Bellugg publishes two different limits in its own documents, 10,000 THB in its storage FAQ and depository terms and 50,000 THB per piece in its terms and conditions; Bounce offers Bag Protection up to US$10,000 per booking whose own terms state it “does not constitute a contract of insurance”; and LuggageHero includes US$500 per bag with optional cover to US$3,000 that its help centre says applies only after your own insurer has processed or declined. Competitor terms read 26 July 2026.
Is the cover per bag or per booking?
It varies, and it matters more than the headline figure. AIRPORTELs insures 50,000 THB per booking, so several bags on one booking share that ceiling – a real limitation if you are storing more than one valuable bag. LuggageHero publishes US$500 per bag. Bounce’s Bag Protection is per booking. Bellugg’s terms and conditions state 50,000 THB per piece of luggage, though its storage FAQ states a different figure. Always check the unit, not just the number.
Does travel insurance cover luggage left in storage?
Often not, and you should check rather than assume. Travel policies commonly limit baggage cover to items in your possession or in a carrier’s custody, and a paid storage counter is neither. Many also exclude or heavily cap valuables such as laptops, cameras, jewellery and cash. Search your own policy for the words unattended, left luggage, storage and valuables before relying on it. If it is unclear, treat the operator’s cover as the only cover you have.
What should I do before handing over my bag?
Photograph it and empty the valuables. Take pictures of all four sides and any existing damage before you hand it over – most damage disputes are arguments about whether the damage was already there. Remove passport, laptop, medication, cash and jewellery, which storage cover in this market is not designed for and several operators exclude. Keep the booking reference until you have checked the bag, not merely collected it, and inspect it at the counter before you walk away.
