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Loss of Personal Belongings Add-On in Car Insurance Explained

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When we think of car insurance, most of us focus on protecting the vehicle itself — covering damages, accidents, and third-party liabilities. But what about the valuable items we often keep inside our cars? Mobile phones, laptops, wallets, documents, or expensive accessories — all these are vulnerable to theft or loss. This is where the Loss of Personal Belongings Add-On in car insurance plays a crucial role. It’s an additional cover that provides financial protection if your personal belongings are stolen or damaged while kept in your car. In this detailed guide, we’ll break down everything you need to know about this add-on — its meaning, coverage, benefits, exclusions, claim process, and tips to make the most of it. What is the Loss of Personal Belongings Add-On in Car Insurance? The Loss of Personal Belongings Add-On is an optional cover that can be purchased along with a comprehensive car insurance policy. It provides compensation for the loss or theft of personal items...