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 Reliance 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.

With Reliance Car Insurance, you get:

Loss of Personal Belongings in Car Insurance Meaning: Explained

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 Dam​​age
  

  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 Ca​​lamities

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

Reasons to Choose Reliance Loss of Personal Belongings in Car Insurance

Loss of Personal Belongings Coverage: Inclusions and Exclusions

Inclusions

• Loss or damage caused to your personal belongings caused by:
  • Fire, explosion, self-ignition or lightning
  • Burglary or theft
  • Riot and strike
  • Natural calamities, including floods, typhoons, hurricanes, storms, tempests, inundations, cyclones, hailstorms, frosts, landslides, rockslides, and earthquakes (fire and shock damage)
  • Accidental external means
  • Malicious act
  • Terrorist activity
  • Transit by road, rail, inland waterway, lift, elevator or air
• Personal items, including
  • Clothes and articles of personal nature likely to be worn
  • Electronic items, such as a smartphone or a laptop
  • Audio/video tapes
  • CDs

Exclusions

• We do not offer coverage for the following items:
  • Cheques, Money, Bank drafts, Securities, Credit and Debit cards
  • Travel tickets
  • Jewellery and watches
  • Glasses & Lens
  • Manuscripts
  • Valuables
  • Paintings
  • Goods or samples carried for trade or business purposes
• Fraudulent or inadmissible claims
• Accidents caused due to driver’s negligence
• Items owned by any other person than the policyholder
• Incomplete or missing documents

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

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

1. Go to the Car insurance page.
2. Enter your contact details, like mobile number and email ID, along with your car's registration number.
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.
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.
5. Review the final price based on your selections, confirm and complete the payment.

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

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

How to Claim Reliance Personal Belongings Cover Car Insurance?

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

1. Call our helpline number +91-22-48903009 (paid)
2. Log in to your Reliance Self-i App
3. Go to our Car Insurance Claim page
1. File an FIR for the lost or stolen items at the nearest police station.
2. Contact your city’s RTO and inform them of the theft.
3. 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.
4. Submit your claim, and we will reimburse you for the loss.

*Note that you must pay 2.5% of the Sum Insured, with a minimum of INR 250 per claim. An invoice is required for items worth over INR 5000.

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:

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).

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Frequently Asked Questions

• What is the cost of loss of car insurance personal belongings cover?

  The cost of the personal belongings in car insurance add-on varies based on various factors:

  • IDV
  • Choice of policy
  • Claim history
  • Location
  • Driving history
  • Value of items to be insured

  Yet, this is an affordable add-on option that enhances your policy’s protection.

• Does the loss of personal belongings cover include mobile phones?

  Yes, mobile phones are covered under this add-on, provided they are lost or damaged due to theft or an accident while inside the insured vehicle.

• What happens if I fail to file a FIR for the lost items?

  Filing an FIR is crucial for theft-related claims. Failure to do so may result in your claim being rejected, as the police report is required to validate the loss.

• What is the validity of this add-on cover?

  The Loss of Personal Belongings cover is valid for the same duration as your main car insurance policy and can be renewed along with it.

• Who should buy this add-on?

  This add-on is ideal for individuals who frequently carry valuable items like electronics, gadgets, or other personal belongings in their car and want to safeguard against theft or accidental damage. Additionally, people living or parking their cars in high-risk areas prone to damage must get this add-on for enhanced protection.​
  

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.

Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

Premium: 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).