What is Loss of Personal Belonging Cover in Car Insurance in India?

Personal Belonging Cover in Car Insurance

Does your basic comprehensive motor insurance policy include personal belonging cover? Will you get the claim if your personal item stolen from or with the car?

The ideal answer is NO. Your basic comprehensive insurance policy does not cover it. You have to buy an additional add on cover for it. There may be some companies that may provide you as an inclusive cover.

But There are many other motor insurance companies that provide it as an add on cover.

What is Personal Belonging Cover?

Personal belonging cover is an add on covers which provides you the cover for your personal items in your car. Some of the motor insurance companies are providing this add on cover in India.

You can opt for this cover by paying an additional premium. Every insurance company may have their own plans and guidelines for personal belonging cover. You may see multiple plans in some companies.

Different plans may have different cover and terms. You need to select the best suitable for you.

Benefits and Exclusions of Personal Belonging Cover

If you are opting for this cover, please don’t assume that it will cover theft of all your personal items from the vehicle. Every plan covers some limited items and has some exclusions also.

Some plans cover only personal items like – clothes and the same nature of products, audio and videotapes, etc. Some plans also may cover your mobile and laptop also. You need to check your coverage list before opting for these plans.


Your insurance company may have the following exclusions for personal belonging cover in car insurance.

  • Usually, your plan does not cover cash, securities, cheques, bank drafts, Credit cards, Debit cards, jewelry, lens, travel tickets, watches, painting and similar items, valuables, etc.
  • Any trade or business items.
  • You will not get the claim if the item is stolen because of your negligence behavior. For example, you left your door open in the parking, etc.
  • Any theft from the vehicle when you parked it no parking zone.

How to file claim for theft of personal belongings?

If your vehicle or any item from your vehicle is stolen then you should report it immediately.

First of all, you need to do FIR and report it to your insurance company. You should not do so much delay in intimating the claim to the insurance company. Normally you should report it within 24 hours of the theft of the item.

Submit required documents and claim forms to the insurance company. You may also need to submit bills or receipt of the item to support the claim.