Loss of Personal Belonging Add On

Limit your speed, not your car insurance

Get your car insuredNOW

+91

Buy online to avail 5% discount on policy premium

Renew your car insurancesuper quick
+91
image

Instant policy with zero paper-work

image

Quick and hassle-free claim process

image

4/5

We take your safety seriously

image

4200+

Cashless Garages

image

Jet-Speed

Claims

image

Upto 50%

No Claim Bonus

image

98.31%

Claim Settlement Ratio

image

24/7

Around The Clock Assistance

Note: The above data is till 1st April, 2024

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.

image

Get Quick Supportimage

Do you have any queries on Insurance?
I’m here to help.
Do you have any doubts after knowing your
premium? I'm here to help.
image

Hi there, how can we help you?

I wanna know about my premium

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, jewelry or high-end accessories, can have significant monetary value.

Steps to buy car insurance online from Kotak

Hassle-free insurance at your fingertips with our easy and fast online processimage

Get All-round protection for your precious vehicle in a few steps. We at Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.

image

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

image

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

image

Fill in you personal details and make the payment online.

How to get an online quote for car insurance

See how simple it is to get a car insurance quote with usimage

image
image

Visit kotak general insurance website

image

Log in to your Kotak general insurance profile using the OTP sent to your mobile number

image

Fill in your details such as car registration number, mobile number and email id (optional).

image

Click on the "Get A Quick Quote" button on the Kotak Car Insurance Page and review coverage

How to buy insurance for a new car

We'll walk you through buying insurance for your new carimage

image

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

image

Fill in the required details such as registration number, model, make, etc.

image

Fill in you personal details and make the payment online.

image
Product Brochure
Download Nowimage
image
Policy Wording
Download Nowimage

Cut the wait time

We process your claim @ Jet-speedimage
image

Intimate Claim

image

Quick Verification

image

Instant Settlement

Know More

Kotak Car Insurance Reviews & Ratings

Look what they have to say

Kotak Car Insurance Reviews & Ratings

Look what they have to say

We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

imageimageimageimage
image
Car Insurance

Entire process starting from claim registration to the completion was very speedy and smooth. After claim registration I did not need to talk or remind the company. It was my first experience of its kind which I felt wonderful. Thanks Kotak General Insurance!

image
Car Insurance

The overall process was very smooth and professional. Minimal documentation and process. Liked the Professionalism and proactiveness of the employees in Kotak. Thanks for the support.

image
Car Insurance

Very satisfying first experience with Kotak. Likely to renew the policy with Kotak.

Steps to renew car insurance policy online from Kotak

Follow these quick steps to renew your car insurance policy and keep your car protected alwaysimage

Your car insurance is just a click away. Visit the Kotak Car insurance page to get your car insurance quote.

image
image

Visit https:www.kotakgeneral.com/renewal and choose the car insurance policy that you want to renew

image

Enter your policy number and mobile number and click on ‘Submit’.

image

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

image

Pay the renewal premium and your policy will be done instantly!

How to file a car insurance claim at Kotak

Filing a claim has never been this easy – we made sure of itimage

image
image

Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

image

Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

image

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.

image

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.

image

On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.

image

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.

image
image

Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

image

Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

image

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.

image

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.

image

The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.

image

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 processimage

Documents required for car insurance claim

To raise a motor insurance claim under different situations mentioned above, you will require the following documents.

image

Registration Certificate (RC) Copy

image

Policy Copy

image

Policy holder's valid ID proof

image

Drivers Driving license

image

FIR Copy (In case of theft and TP claim)

image

Duly filled Claim form

image

Any further requirements will be conveyed basis inspection

image

How to download Your policy copy

Here is your step-by-step guide to access your policy copyimage

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.

image

Enter your policy number

image

Enter your registered mobile number Or your registered email Id

image

Click on Get OTP

image

Type the OTP and click on download car insurance policy document

Kotak General Insurance cashless network garages

Our cashless network garages makes roadside assistance a sleek experience at the time of uncertaintyimage

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

Need Help? Head over to our learning centre

  • image

    Car Insurance

    Important Traffic Rules To Follow To Ensure Safety While Driving

    Learn moreimage
  • image

    Car Insurance

    Questions Regarding Motor Insurance Policies

    Learn moreimage
  • image

    Car Insurance

    What is Anti Theft Device and its Impact on Car Insurance Premium

    Learn moreimage

RTO- Regional Transport Office

Your guide to RTO offices. Get insights into different locationsimage

RTO stands for Regional Transport Office and is a government body responsible for vehicle registration and issuance of driver’s licenses. Also, the RTO in each state is responsible for maintaining the database of its drivers and vehicles.

Car insurance for your favorite brands

We've got you covered with car insurance for your favorite brandsimage

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.

imageimage
image

"Always by your side. Keeping you safe"