9 unusual things you can get covered under your insurance

Do you often wonder what would you do if you lost your car key? Does the thought of losing your wallet often disturbs your sleep. Then, don’t worry. This is because insurance not only covers your life, health, car or home but also include some of the peculiar things you never thought about. Here is a list of some of the unusual things which you can get covered under an insurance policy:

Dog bites

Your pet insurance not just covers your buddy when it falls sick, but it also protects you from legal and other costs if in an accidental attack your dog bites a third-party . Just like a motor insurance policy, it covers the cost of third party liability provided your insurer offers the cover as an in-built feature or you have opted for it as an add-on cover.

ATM withdrawal cover

Generally, we are very careful after withdrawing money from the ATM. But there is always the fear of being watched and face any theft. With ATM assault and robbery cover from Card Protection Plans (CPP) you would be compensated for the amount lost after your ATM transaction. A few insurers also offer it as an add-on cover with a home insurance policy.

Gold lying in home/locker

Indians love jewellery. Most of us have some amount of gold lying at home and in the bank locker. To keep your worries away there are many insurance policies that cover jewellery kept in a locker, home, and also if someone is wearing it. There are also standalone policies that cover gold lying in your bank locker.

Lost wallet cover

Losing a wallet can a very stressful exercise. Not only your debit or credit cards, but it also exposes your important documents to financial frauds. For such incidents lost wallet cover will come to your rescue. The insurance reimburses you the cost paid to issue new cards or other important documents that you had in the wallet. Moreover, it covers the cost of the wallet and the money that you had in it.

Lost or car or home keys

If you have lost the car keys then you must already be aware hardships involved while getting the new keys made. A traditional car insurance policy does not cover it, you need to opt for the replacement of keys cover for complete protection of your car. Similarly, you can opt for coverage of home keys in your home insurance policy if you tend to forget things often.

Body part insurance

This insurance is quite popular among international and Indian celebrities. This kind of insurance is generally taken by celebrities who want to insure their specific body parts which are a vital part of their or brand. The reports suggest that Rajnikanth and Lata Mangeshkar have got their voices insured. Sania Mirza her hands and no brainer for Julia Robers- her dazzling broad smile.

Wedding insurance

A wedding is an important milestone in life. However, life is unpredictable and untoward events can sometimes lead to the cancellation of the event. The wedding insurance provides coverage against cancellation due to fire, theft, burglary, accident, among other things. On cancellation, the policy covers the cost of decoration, catering, card printing cost, etc.

Mobile insurance

If you have lost or broken your mobile phones in the past, then mobile insurance can be a good solution for you. It can offer comprehensive protection to your mobile ranging from screen cracks, loss of device due to theft, fire, hardware failures, among other things.

Cattle insurance

Last but not the least, not only pet there is also insurance to cover cattle for poor farmers and families. Livestock insurance covers them from loss associated with the death of the animals. Generally, the insured animal is identified through ear tags, but there is always a possibility of being lost or removed. For checking frauds a few insurers place an identification device, based on RFID (Radio Frequency Identification) technology, under the hide of the animal.

Source: Money 9