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Loss of Personal Belongings in Car Insurance

Imagine leaving your car for just a moment, only to return and find your valuables missing. This can be avoided with our loss of personal belongings cover in car insurance. This add-on protects your personal items inside the car from a wide variety of perils. This includes theft, damage, accidents and much more. It covers your phone, laptop, or other essentials from such perils.

With IndusInd General Insurance’s loss of personal belongings in car insurance, you can feel secure knowing your belongings are safe in unprecedented situations. In this article, we will explore the personal belongings cover in car insurance meaning, claim processes and each detail of this valuable add-on. Our loss of personal belongings in car insurance provides coverage for personal items that are stolen or damaged while inside your car at the time of damage to your car. This add-on cover extends its coverage from your belongings to your family members’ belongings. It protects your valuables from a variety of perils and offers financial coverage up to a specified limit.

For example, suppose your car is broken into while being parked, and your laptop is stolen from inside. In such a case, the loss of personal belongings will compensate for the loss and help you recover from it by reducing your out-of-pocket expenses.

How Does Loss of Personal Belongings Add-On Work?

The loss of personal belongings cover provides coverage for your personal belongings in certain covered situations, such as theft, accidental damage, etc. This coverage is typically not covered by your standard car insurance policy. Thus, with an additional premium, you can enhance your car insurance coverage to protect your valuables. This add-on cover is applicable in many scenarios and covers the same perils as your base policy. So, here is how this add-on works in different situations:

Theft

If your car is broken into and valuables like a laptop, phone or bag are stolen, this add-on will cover the cost of replacing them. The cover will also apply if your car is stolen along with your personal items.

Accidental Damage

In case of an accident or collision in which your personal belongings, such as clothes or electronics, are damaged, this add-on will cover the cost of their replacement. Your standard car insurance policy does not cover these items.

Fire or Natural Calamities

If personal items inside your car are damaged due to a fire or natural calamities along with your car, this cover ensures you’re compensated for those losses as well.

Waiting Periods

Reasons to Choose IndusInd Loss of Personal Belongings in Car Insurance

Comprehensive Coverage

Our add-on cover protects various valuable belongings, such as electronics, clothing, CDs, etc., from theft and damage.

Coverage Against Multiple Perils

We provide coverage against theft, accidental damage, fire, natural calamities, riots, strikes, etc.

Seamless Online Process

Our online buying, claiming and renewal processes are easy to follow and hassle-free.

Affordable Premiums

Our car insurance personal for belongings cover is available at a nominal cost and adds extra protection to your base cover.

Wide Network Garages

You can access IndusInd General Insurance’s vast network of 10,000+ garages and service points for assistance.

24/7 Assistance

We offer 24/7 customer assistance to help you with any queries related to this add-on cover.

Quick Claim Survey

Your claims related to lost or damaged personal items will be surveyed within 48 hours after you initiate the claim.

Minimal Paperwork

You do not have to take care of heavy paperwork while submitting claims for lost or damaged personal items.

Unaffected No-Claim Bonus

Claiming for personal belongings does not impact your No-Claim Bonus on the main policy.

Loss of Personal Belongings Coverage: Inclusions and Exclusions

What is Covered?

Loss or Damage Coverage: Your personal belongings are protected against a wide range of risks, including fire, explosion, self-ignition, lightning, burglary, theft, riots, strikes, and malicious acts. We also cover damage caused by natural calamities such as floods, cyclones, hurricanes, hailstorms, landslides, earthquakes, and more. In addition, protection extends to accidental external means, terrorist activities, and even while your items are in transit by road, rail, inland waterways, lifts, elevators, or air.

Personal Items Covered: This includes clothes and articles of personal nature that you are likely to wear, electronic devices like smartphones and laptops, as well as audio/video tapes and CDs.

What is Not Covered?

We do not provide coverage for certain items, including cheques, money, bank drafts, securities, credit and debit cards, and travel tickets. Jewellery, watches, glasses, and lenses are also excluded from the policy. Additionally, manuscripts, valuables, paintings, and goods or samples carried for trade or business purposes are not covered under this plan

Fraudulent or inadmissible claims

Accidents caused due to driver’s negligence

Items owned by any other person than the policyholder

Incomplete or missing documents

Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.

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How to Buy/Renew IndusInd Loss of Personal Belongings in Car Insurance Online?

Steps to Buy Loss of Personal Belongings with IndusInd Car Insurance Online

Step 1: Go to the Car insurance page.
Step 2: Enter your contact details, like mobile number and email ID, along with your car's registration number.
Step 3: You will receive an instant quote via the mobile number and email ID you provided. This will be based on your selections and car’s make and model.
Step 4: Select a plan—either standalone own-damage or comprehensive car insurance—and opt for the Loss of Personal Belongings add-on. Add any additional coverage you need.
Step 5: Review the final price based on your selections, confirm and complete the payment.

Steps to Renew Your IndusInd Loss of Personal Belongings in Car Insurance Online

Step 1: Visit the official Renew Car Insurance page on Reliance General’s website.
Step 2: Enter the necessary details like policy number and contact information.
Step 3: Add the Loss of Personal Belongings cover and any other add-ons you require.
Step 4: Apply your No-Claim Bonus if eligible.
Step 5: Verify your renewal details and complete the payment.

How to Claim Reliance Personal Belongings Cover Car Insurance?

Initiate your claim for lost or damaged personal belongings within 24 hours via:

Call our helpline number +91-22-48903009 (paid)
Log in to your Reliance Self-i App
Go to our Car Insurance Claim page

File an FIR for the lost or stolen items at the nearest police station.

Contact your city’s RTO and inform them of the theft.

Fill out the claim form detailing the incident and extent of loss. Gather the required documents and submit them, along with the invoice for personal belongings.

Submit your claim, and we will reimburse you for the loss.

Documents Required for Claiming Loss of Personal Belongings in Car Insurance

Duly filled and signed claim form

Copy of FIR

Copy of registration certificate

Copy of car insurance policy

Invoices and receipts of the lost or damaged items (wherever required)

Contact details of the insured person

Details of the event (date, time and location)

Investigation report from the police station

Property irregularity report

How is the Claim Amount for Loss of Personal Belongings Determined?

During the reimbursement of personal items, such as laptops or mobile phones, depreciation deductions will also be factored into the claim amount. So, if you have lost a laptop during a car theft, the claim amount will calculated based on the following depreciation rate:

Asset’s Age	Depreciation % on Invoice Value
Not exceeding 1 year	20
More than 1 year but less than 2 years	40
More than 2 years but less than 3 years	50
More than 3 years but less than 4 years	60
More than 4 years	80

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Things to Remember with Loss of Personal Belongings Cover

An FIR is mandatory for claims filed due to theft of your personal belongings.
Claims filed under this add-on will only be valid if the personal belongings stolen were stolen from your insured car and not anywhere else.
You must pay an amount equal to 2.5% of the Sum Insured chosen, starting from a minimum of ₹250, for each claim under this add-on.
When filing a claim for personal belongings worth more than ₹5,000, you must submit the invoice of the damaged or stolen item(s).

Reliance General Insurance

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Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Disclaimer:*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.>The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like InduInd Limit Sure-Pay As You Drive.