Decoding Loss of Personal Belongings in Car Insurance

Fortunately, many insurance providers in the UAE cover the loss of personal belongings in car insurance. This ensures that you are compensated for lost or stolen personal items, saving you from the full financial impact. Let’s find out what is typically covered with respect to personal belongings in motor insurance, how to make a claim, and tips to safeguard your valuables. Understanding your options can help you stay prepared and protect what matters most.

What is the Loss of Personal Belongings Cover in Car Insurance?

Most insurance companies offer a loss of personal belongings cover under motor insurance policies. A standard feature of comprehensive car insurance in UAE, it offers the benefit of financial coverage of the personal items in the insured car in case of their loss or damage due to theft, fire, or accident. 

Note — This coverage is not available under a third-party liability policy. 

Now, the loss of personal belongings in car insurance can vary based on the insurance provider. For instance, some plans cover only items stolen from the insured vehicle — others may extend coverage to the damaged items. Furthermore, items like electronics are often covered but have specific limits. 

Why Choose Loss of Personal Belongings Cover in Car Insurance?

The idea behind the loss of personal belongings cover is financial protection for lost, stolen, or damaged personal belongings present in the insured vehicle. This benefit is usually an inclusion in comprehensive coverage and offers several advantages — 

• Protection for Personal Items – You get cover for your daily usage items such as electronics and other valuable items, including laptop, mobile phone, and more. 
• Security Assured – You don’t have to worry about restoring the damaged or stolen items. The provider offers compensation for the included items. 
• Hassle-free Claim Process – You can easily file a claim for the damaged or lost personal belongings under auto insurance. However, the claims require proof of the item’s worth (like invoices) and a police report. 

What is Excluded from Loss of Personal Belongings in Car Insurance?

Even though the coverage for the loss of personal belongings in car insurance is helpful, it has certain terms and conditions attached to it. 

Here are some major exclusions that you need to be aware of —

• Money and Valuables – This includes items like money, credit cards, tickets, scratch cards, jewellery, lottery tickets, and bonds.
• Unattended Items – If laptops and mobile phones are left unattended, the claims related to them will be denied. 
• Theft from Open or Convertible Cars – If the theft occurs from an open or convertible car, it is usually excluded. However, if the items were stored in a locked trunk of the car or glove compartment, the losses can be covered. 
• Car Accessories and Modifications – If the items lost are standard vehicle equipment, modifications, and car accessories, the claims are likely to be denied.
• Business-related Goods – If the lost items are related to business like trade samples or business equipment, the claim related to them will not be covered. 
• Wear and Tear – There is no coverage for natural depreciation and wear and tear of personal items. 

Also Read - Does Car Insurance Cover Theft? 

How to File a Claim for Personal Belongings in Car Insurance?

You can easily file a claim in case of loss of personal belongings under car insurance if you provide the right documentation and follow the steps properly. 

Here’s a step-by-step guide for the same —

• Immediately inform the police about the items that have been stolen and file a report. Make sure you receive the report as it will help you initiate the claim process. 
• Inform the insurance provider about the loss or damage at the earliest. 
• The insurer will ask you for evidence about the worth of the stolen or damaged goods. Provide receipts or any other relevant documents associated with your personal belongings. 
• Once you have the necessary receipts and invoices, you can submit the claim online or offline by visiting the provider. 
• After verification, the insurer will approve or reject your claim (or ask for more details). If your claim is approved, you will get the reimbursement through the specified payment mode.

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