Most comprehensive motor insurance offers coverage on loss of personal belongings (i.e. phones, laptops, cameras) as an add-on. If you have opted for such an add-on, loss of personal effects is covered in the event personal belongings are stolen due to forced entry into the motor vehicle. The incident will have to be supported by a police report. What isn’t covered in insurance are not limited to the following: Wear and tear Depreciation Mechanical breakdown Negligence Damage due to illegal activities (driving under the influence, road racing) Damage caused by drivers without a valid licence Damage due to overloading Damage due to intentional acts Damage due to unapproved modifications