Car theft can be a big blow to anyone. That said, with a comprehensive car insurance policy you can be sure that the financial blow from the theft will be minimized. The insurer will compensate you up to the Insured Declared Value, unless you also have a return to invoice(RTI) add-on cover. RTI cover allows you to recover the on-road value of the car, including the depreciation costs. But what about any belongings that may have been in the car?

By default, a comprehensive car insurance policy only insures the vehicle. This means that any belongings that may have been in the car are a loss to you and you will have to pay for them out of your pocket. You could get the belongings covered through an add-on cover at an additional premium.

What is not covered under Loss of Personal Belongings Cover?

The scope of all insurance has to be limited to make the premiums reasonable. Same is true for the loss of personal belongings add-on cover. The following scenarios are excluded from the cover:

  1. Any incident that arises from the insured’s negligence
  2. If the car was borrowed from someone else
  3. If the items are not generally carried around by the insured
  4. Theft of any documents
  5. If the incident is not reported to the police within 24 hours of discovery
  6. If the items belonged to someone other than the insured
  7. If the stolen items are not mentioned in the police report
  8. If the belongings were left overnight in the car.


Claim process

Follow the steps listed below in case of theft to ensure that your loss of personal belongings claim is not rejected by the insurer.

  1. File an FIR with the police: As soon as you get to know of the theft, you should file an FIR with the local police. In no case should you delay the filing of FIR by more than 24 hours, as your car insurance add-on claim may be rejected otherwise.
  2. Inform your insurer: After you have filed the report, give a ring to your insurance provider and inform them of the theft as well. Understand from them what their process for car insurance claims is. It is best to not delay this process as it can impact claim verification.
  3. Inform the RTO: As per the law, you must inform the Regional Transport Office if your car is stolen.
  4. Gather all the requisite documents: After this, get all the documents that you will have to submit with the claim form. This includes:
    1. Claim form – duly filled and signed
    1. Copy of the FIR report
    1. Copy of the police investigation report
    1. Invoices and receipts of items you are filing the claim for
    1. Property irregularity report.