Personal Belongings Cover Under Motor Insurance: Protection Against Theft & Damage Explained
When we travel by car, we often carry valuable items such as laptops, wallets, mobile phones, jewellery, and personal accessories. Unfortunately, these items are at risk of being stolen or damaged during accidents, break-ins, or vandalism.
A standard comprehensive motor insurance policy does not cover personal belongings kept inside the vehicle. To protect these valuables, insurers offer a useful add-on called Personal Belongings Cover.
What Is Personal Belongings Cover?
Personal Belongings Cover is an optional add-on that provides compensation for loss or damage to personal items inside the insured vehicle due to:
- theft
- burglary
- accidental damage
- vandalism
- fire / calamity
It covers both electronic items (like laptops and smartphones) and general personal items such as bags and clothing.
What Items Are Covered?
- Laptops / tablets
- Mobile phones
- Cameras
- Smartwatches
- Wallets / handbags
- Clothes, shoes & accessories
- Documents (in some policies)
What Is NOT Covered?
- Cash or currency
- Jewellery (unless covered separately)
- Loss due to negligence (e.g., windows open)
- Theft without forced entry
- Uninsured accessories
- Wear & tear
Cost of Personal Belongings Cover
| Policy Type | Approx Premium / Year |
|---|---|
| General belongings cover | ₹200 – ₹500 |
| Electronic belongings cover | ₹400 – ₹1,200 |
Coverage amount typically ranges between ₹5,000 and ₹50,000.
Claim Process for Personal Belongings
- Inform insurer immediately
- File an FIR for theft
- Submit proof of ownership/invoice
- Spot survey or inspection
- Reimbursement processed
Example Scenario
You park your car at a mall. A thief breaks the window and steals a laptop worth ₹45,000.
- Without Cover → No compensation ❌
- With Cover → Laptop cost reimbursed ✔️
Who Should Buy This Add-On?
- professionals carrying laptops
- urban car owners
- families with expensive gadgets
- residents in theft-prone areas
- frequent travellers
Is Personal Belongings Cover Worth It?
Yes! For a nominal premium, this cover protects valuable belongings and avoids financial loss during theft or accidents.
Conclusion
Personal Belongings Cover is a smart and affordable add-on for safeguarding items stored inside the vehicle. It fills a major gap not covered by standard motor insurance and offers peace of mind during travel.
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