Personal Possessions Cover

Personal possessions cover is an add-on that provides coverage to the policyholder for any damage or loss of the personal possessions kept inside the car during the accident. Since it is an add-on cover, you will have to pay an extra amount to get coverage for your personal possessions.

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What Is Personal Possessions Cover?

Personal possessions cover is an add-on that only a comprehensive car insurance policyholder can purchase. The insurer will provide coverage for any loss or damage to any of your personal possessions kept inside the car as per the insured declared value of your car insurance policy. 

What is Not Covered Under Loss of Personal Belongings Cover?

Exclusions of personal belongings covered are listed below:

  • Any incident that has been resulted due to the insured’s negligence
  • Borrowed car
  • Personal belongings that are locked in a safety deposit box
  • Personal belongings that the insured does not carry around
  • Theft of any important documents
  • If the incident was not reported to the police within 24 hours of the theft or finding out
  • Loss due to climatic conditions, wear, and tear, mechanical and electrical failure, etc.
  • Personal belongings that were being used by a third-party
  • Personal belongings that are not mentioned in the police report
  • Personal belongings that were left in the car overnight

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To Claim the Loss of Personal Belongings Cover the Insurer will Involve the Following Information:

  • Inform the car insurance provider within 24 hours of you finding out about the theft.
  • At the time of claim intimation, you need to furnish your personal details including your name, contact details, policy number, time and date of the theft, area of the incident.
  • And a Police File report and its copy are a must.

To File a Successful Car Theft Claim you Need to Follow the Process Listed Below. Please ensure that all the Information is provided in the Stipulated Time.

  • File an FIR with the Police: It is a pre-requisite. As soon as you get to know about the theft, you must report the incident at the nearest police station. Without this, your car theft claim process will not be initiated.
  • Call Your Motor insurance Provider: Once you have filed an FIR report then you need to immediately call your insurance provider and inform them about your car theft. Every insurance provider follows its own process and has its own set of formalities for car theft claims. Again, make sure that there is no delay from your end.
  • Inform the Transport Office: It is required as per the law to inform the Regional Transport Office about your car theft.  You will need to transfer documents and papers from them. So, make sure that you remember to get this done.
  • Gather All the Insurance Documents: Once you have followed the process, you need to gather all the required documents to authenticate the claim. Once all the documents are gathered, fill the car theft claim form ( get it from an insurer or download it online) and submit all the requisite documents.

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Documents Required for Claim Settlement Process

You need to submit the documents listed below to your car insurance provider while settling your ar insurance claim:

  • Claim Form ( duly signed and filled)
  • Copy of the FIR report
  • Police investigation report
  • Invoice and receipts ( as required)

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer. 

Note: This is your car's recommended IDV as per IRDAI's depreciation guidelines. However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, the higher the premium you pay.

Why buy from Policybazaar Insurance Brokers Private Limited

  • 24x7 Claims Assistance: Our claims experts are now available 24x7 to help you with claim intimation and status updates.
  • Cashless Assurance: Call us or the Insurer and you will get a "Delivery Order" for a cashless facility for repairs at any garage across India. In the rare cases of cashless not being provided to you, the claim reimbursement will be paid within 24/48 working hours post submitting documents/original invoice as mentioned against the respective Insurer.
  • 3-Day Repair Assurance: Your car will be repaired at a trusted garage and will be delivered back to you within 3 working days.
  • Free Pickup & Drop: Call us when you need a claim and a garage partner will pick up and drop your car.
  • Self Video Claims: We have made the claims process cooler and smoother. Simply upload a video of your damage through our claims app and we will take care of the rest.
  • Windshield Claims At Home: Call us when you have a windshield replacement claim and the garage partner will replace the windshield at your home itself.

Personal Possessions Cover: FAQs

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Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

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Why buy from Policybazaar?

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