Motor InsuranceCar InsuranceLoss Of Personal Belonging Add On

Loss of Personal Belonging Add On

Limit your speed, not your protection for personal belongings

Loss of Personal Belonging Add On
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6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

Importance of having loss of personal belonging cover

Protection against financial loss

Protection against financial loss

Protection against financial loss

The loss of personal belonging add-on provides coverage that helps offset the financial burden of replacing valuable items, saving you from incurring a substantial expense. If your personal belongings are stolen, lost, or damaged while inside your vehicle, the cost of replacing those items can be significant.
Comprehensive coverage

Comprehensive coverage

Comprehensive coverage

Adding the loss of personal belonging add-on ensures that your personal items are protected from theft, loss or damage, providing a more comprehensive level of coverage. While your auto insurance policy may cover damages to your vehicle, it typically does not include coverage for personal belongings inside the vehicle.
Peace of mind

Peace of mind

Peace of mind

Knowing that your personal belongings are covered in the event of theft, loss, or damage can provide peace of mind and allows you to enjoy your journey without worrying excessively about the safety of your valuables while travelling.
Flexibility for different scenarios

Flexibility for different scenarios

Flexibility for different scenarios

Its flexibility ensures that you are protected in various situations, whether it's a break-in, accidental damage, or an unexpected event like a fire. The loss of personal belonging add-on covers a wide range of scenarios, including theft, vandalism, fire and other covered perils.
Coverage for high-value items

Coverage for high-value items

Coverage for high-value items

The loss of personal belonging add-on provides coverage for these valuable items, which may be difficult to replace out of pocket. Some personal belongings, such as electronics, jewellery or high-end accessories, can have significant monetary value.
Protection against financial loss

Protection against financial loss

Protection against financial loss

The loss of personal belonging add-on provides coverage that helps offset the financial burden of replacing valuable items, saving you from incurring a substantial expense. If your personal belongings are stolen, lost, or damaged while inside your vehicle, the cost of replacing those items can be significant.
Comprehensive coverage

Comprehensive coverage

Comprehensive coverage

Adding the loss of personal belonging add-on ensures that your personal items are protected from theft, loss or damage, providing a more comprehensive level of coverage. While your auto insurance policy may cover damages to your vehicle, it typically does not include coverage for personal belongings inside the vehicle.
Peace of mind

Peace of mind

Peace of mind

Knowing that your personal belongings are covered in the event of theft, loss, or damage can provide peace of mind and allows you to enjoy your journey without worrying excessively about the safety of your valuables while travelling.
Flexibility for different scenarios

Flexibility for different scenarios

Flexibility for different scenarios

Its flexibility ensures that you are protected in various situations, whether it's a break-in, accidental damage, or an unexpected event like a fire. The loss of personal belonging add-on covers a wide range of scenarios, including theft, vandalism, fire and other covered perils.
Coverage for high-value items

Coverage for high-value items

Coverage for high-value items

The loss of personal belonging add-on provides coverage for these valuable items, which may be difficult to replace out of pocket. Some personal belongings, such as electronics, jewellery or high-end accessories, can have significant monetary value.

Things to Remember with Loss of Personal Belongings cover

Review the maximum claim limit: Zurich Kotak providers set a fixed maximum claim amount per policy year. Make sure the coverage limit matches the value of the items you usually keep in your car.
Follow proper safety measures: Always lock your car and take basic precautions. Claims can be rejected if the loss happens due to negligence, such as leaving the vehicle unlocked.
Maintain proof of ownership: Keep purchase bills or receipts of expensive items. These documents help verify ownership and make the claim process smoother.
Check depreciation rules: Some policies apply depreciation based on the age of the item. This can reduce the final claim amount, so understand how it works before buying the cover.
Declare expensive items in advance: High-value belongings may need to be declared at the time of purchasing the add-on. Confirm this requirement beforehand.
Understand deductibles and conditions: Be clear about deductibles and all policy terms to avoid unexpected deductions during claim settlement.
Choose the right sum insured: Select a sum insured that properly covers the value of your personal belongings.

Steps to buy insurance online from Zurich Kotak General Insurance

1

Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page

2

Fill in your car details such as registration number, model, make etc.

3

Fill in you personal details and make the payment online.

How to download your policy copy

Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
1

Click on the link

2

Enter your policy number

3

Enter your registered mobile number Or your registered email Id

4

Click on Get OTP

5

Type the OTP and click on download car insurance policy document

How to raise a claim under a Loss of Personal Belonging at Zurich Kotak

1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
6
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

Cashless garages near you

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

FAQs Loss of Personal Belonging Add On

Questions you may have about Zurich Kotak General Insurance

The add-on typically covers personal belongings that are stolen, lost or damaged while inside your vehicle. This can include items like electronics, clothing, luggage, and other valuable possessions.

Yes, there are usually coverage limits that define the maximum amount the insurance will pay for each occurrence or per item.

The add-on can cover a range of losses, including theft, burglary, vandalism, fire or accidents that result in damage or loss of personal belongings.

It's advisable to keep records of your personal belongings, including receipts, photographs or appraisals, to establish their value. This documentation will be useful in the event of a claim.

The loss of personal belonging coverage is optional and not typically required by law. It is a choice you can make based on your personal circumstances, the value of your belongings and your risk tolerance.

It is an optional cover that compensates for loss of personal items kept inside your insured vehicle due to theft, fire, or accidental damage.

No, standard policies cover vehicle damage only. Personal belongings cover must be purchased separately as an add-on.

Items such as laptops, mobile phones, clothing, luggage, and other personal effects are generally covered within specified limits.

Typically, cash, jewellery, and important documents are excluded unless specifically mentioned in policy terms.

You can claim in cases of theft, burglary, fire, accidental damage, or covered natural calamities affecting personal items inside the car.

Yes, provided the vehicle was properly locked and there is evidence of forced entry.

Yes, an FIR is generally mandatory for theft-related claims.

No, claims may be rejected if negligence, such as leaving the car unlocked, is proven.

The claim is calculated based on item value, applicable depreciation, and policy limits.

Yes, depreciation may be applied unless policy terms specify otherwise.

Yes, insurers set a maximum payout limit per policy period.

No, it is available only with comprehensive car insurance policies.

The premium depends on coverage limit and insurer terms, but it is generally affordable compared to potential losses.

Claim form, FIR (if theft), policy copy, proof of ownership, RC, and driving licence are required.

Frequent travellers, professionals carrying gadgets, and families carrying valuables should consider this cover for added financial security.