Will the insurance company pay for the stolen things in the car?

The loss of stolen goods in the car is generally not covered by auto insurance. However, PICC P&C has introduced an "on-board baggage" insurance. After paying the premium of 100 yuan, if the goods on the car are stolen, the maximum compensation can be 3000 yuan. It is reported that this kind of insurance for goods in the car is the first case in the industry.

Carry-on baggage insurance covers luggage items stored in closed compartments and trunk of private cars, including daily mobile phones, laptops, photographic equipment, briefcases, handbags and independent multimedia players (not self-contained). Cash, gold, silver, jade and priceless works of art are not included.

The insurance premium is RMB 0/00 per copy. In general, a car can buy up to 5 copies. Take buying an insurance policy as an example. The maximum compensation for the loss of a mobile phone is 1500 yuan, the maximum compensation for a laptop is 3,000 yuan, and the maximum compensation for other briefcases and storage bags is 1000 yuan. The owner must provide an invoice for the lost items. If the price is lower than the upper limit of compensation, the compensation shall be made according to the actual price; Otherwise, pay according to the compensation ceiling. Need to be reminded that if the owner loses multiple items at the same time, he will compensate according to the compensation limit of a single item, and will not pay again.

Extended data:

Claim process

First, report the accident.

Specific content:

1. Report the case to the public security criminal investigation department immediately (within 24 hours) (1 10).

2. Report the case to the insurance company as soon as possible (within 48 hours).

Precautions:

1, be sure to keep the scene of the accident.

2. Report the case as soon as possible.

Second, the loss confirmation

Specific content:

1. Publish the car-finding enlightenment to newspapers at or above the municipal level, and seek to save and report now.

2, 3 months later to the public security criminal investigation department to issue a certificate of unsolved crimes.

3.3 months later, I went to the vehicle management department to cancel the license plate of the stolen vehicle.

Note: it must be handled, otherwise the insurance company will not pay.

Third, apply for claims.

Specific content:

Collect the necessary claim documents as soon as possible and apply to the insurance company for claim within 10 days. In general, the following documents need to be submitted:

1, original insurance policy

2. Danger notification

3. List of losses

4. Car keys

5. Original driver's license and supplementary card

6. Copy of driver's license

7. Copy of ID card

8. Car purchase invoice

9. advertise for a car

10, parking lot certificate

1 1. Original parking fee receipt

12, transfer of rights and interests

13, vehicle theft report form

14, police report acceptance form

15, three-month unsolved certificate of public security criminal investigation department 16, registration form for cancellation of stolen vehicle license plate.

17, copy of the company's business license (required by the company)

Fourth, matters needing attention:

1. All files must be provided.

2. Apply for claims as soon as possible, and if you don't provide documents to apply for claims within two years according to the insurance law, it will be regarded as a waiver of the right to claim.

3. Keep the driving license, vehicle surcharge certificate, car purchase invoice and car keys properly, and don't put them in the car. If any of the first three items is missing, the insurance company will increase the deductible by 0.5%, and if the car key is missing, it will increase the deductible by 5%.

Verb (short for verb) accepts compensation.

People's Network: New insurance? The mobile phone car was stolen and the insurance company paid for it?