Loss of Personal Belonging Add On
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What is Loss of personal belonging add on cover?
A loss of personal belonging add-on, also known as personal effects coverage or personal belongings coverage, is an optional insurance add-on that provides coverage for the loss or damage to personal items inside your vehicle. It is typically offered as an extension to your car insurance policy. The purpose of this add-on is to protect your personal belongings, such as electronics, clothing, luggage or other valuable items, in case they are stolen, lost, or damaged while inside your vehicle. It can provide coverage regardless of whether the loss or damage occurs due to theft, vandalism, fire or other covered perils.
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Importance of having loss of personal belonging cover
The loss of personal belonging add-on can be important for several reasons:
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
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
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
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
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.
Steps to buy car insurance online from Zurich Kotak General Insurance
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Get All-round protection for your precious vehicle in a few steps. We at Zurich Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.
Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page
Fill in your car details such as registration number, model, make etc.
Fill in you personal details and make the payment online.
How to get an online quote for car insurance
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Visit Zurich Kotak General Insurance website
Log in to your Zurich Kotak General Insurance profile using the OTP sent to your mobile number
Fill in your details such as car registration number, mobile number and email id (optional).
Click on the "Get A Quick Quote" button on the Zurich Kotak Car Insurance Page and review coverage
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Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page
Fill in the required details such as registration number, model, make, etc.
Fill in you personal details and make the payment online.
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Steps to renew car insurance policy online from Zurich Kotak General Insurance
Follow these quick steps to renew your car insurance policy and keep your car protected always
Your car insurance is just a click away. Visit the Zurich Kotak Car Insurance page to get your car insurance quote.
Visit https:www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew
Enter your policy number and mobile number and click on ‘Submit’.
Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew renew the existing policy or make changes.Your policy number will be verified and you will be able to check the details of you
Pay the renewal premium and your policy will be done instantly!
How to file a car insurance claim at Zurich Kotak General Insurance
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
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.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
List of documents required for filing a car insurance claim
Get familiar with the documents needed for speedy claim process
Documents required for car insurance claim
To raise a motor insurance claim under different situations mentioned above, you will require the following documents.
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
How to download your policy copy
Here is your step-by-step guide to access 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.
Enter your policy number
Enter your registered mobile number Or your registered email Id
Click on Get OTP
Type the OTP and click on download car insurance policy document
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FAQs Loss of Personal Belonging Add On
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.