If your check-in luggage hasn’t arrived and the airline confirms that it is lost, primarily the airline company or tour operator is responsible for compensation. You must make the PIR report (Property Irregularity Report) at the airport if your luggage doesn’t arrive on time.
If the airline company doesn’t compensate the loss of luggage in full, you can claim the exceeding amount up to the maximum amount stated in the insurance letter. Please note that valuable items should be carried in the hand luggage.