As a car owner, you might feel safe and sound if you have insured your vehicle with the proper add-ons customised to your needs. However, what about your personal belongings that are often kept in the car? Be it shoes or a bag of clothes, surely losing your personal items will be disheartening. What if we tell you that you can buy insurance even for your personal items that were in the car in case your car gets damaged or stolen?
With the personal belongings add-on, your personal items that were left in the car when the car got stolen will be covered in your car insurance policy. Even if there is a scenario where someone breaks into your car and steals your belongings, your comprehensive or own damage policy will cover any damages to your vehicle, but if you have a personal belongings cover, you will be insured for your lost belongings too.
This add-on can be bought along with a comprehensive or own damage insurance policy and comes at an additional price. This cover takes care of your personal belongings, such as clothes, shoes, etc. So, if anything happens to them – let's say they get lost or damaged – your insurer will help cover the cost as long as they were in your car when the damage happened.
Some insurers might offer separate add-ons under this option. These could be:
Under this add-on, there are a bunch of variations that insurers provide, and the list of inclusions and exclusions could widely differ for every insurer. Hence, it is extremely important to go through the terms and conditions properly. If you're unsure about anything, don't hesitate to clear up your doubts with the insurer's customer support team before you decide to buy the add-on.
A standard list of exclusions for the Personal Belongings Cover is as follows:
Remember to review these exclusions carefully to understand what situations might not be covered by your Personal Belongings Cover Add-on.
To raise a claim under the Personal Belongings Cover, the following steps should be taken:
1. The policyholder must contact the company within the stipulated time to report the claim.
2. When reporting the claim, the insured must provide the following information:
3. The following documents should then be arranged for submission to the insurance company:
It is also important to remember that claims under this cover can be made for a specified number of times in a policy period. This number varied from insurer to insurer.