Home Burglary Travel Insurance is an add-on that protects your unoccupied residence while you are away. If burglars break in during your holiday, the policy reimburses the cost of stolen valuables, damaged locks, broken doors or smashed windows. Cover usually applies from the moment you leave home until you return and can be purchased as a rider to a standard travel plan. Because property crimes often rise when houses are empty, this extension bridges the gap between household insurance and travel insurance, giving you complete peace of mind during trips.

What is Home Burglary Travel Insurance?

Unlike regular home insurance, which may exclude long absences, Home Burglary Travel Insurance activates only when you are travelling. It reimburses losses caused by forced entry—jewellery, electronics, cash kept in a safe and structural repairs—subject to policy limits. Some plans even cover temporary accommodation if the house is left uninhabitable after a break-in. Premiums depend on the property’s location, security features and sum insured. Adding this cover to your itinerary is simple: purchase it alongside your travel policy or through your insurer’s mobile app before departure.

How Home Burglary Travel Insurance Works?

●      Purchase the burglary rider with your travel policy, specifying the trip dates and home address.

●      Activate—cover starts when you lock the door and leave for the airport or station.

●      Incident occurs—burglars break in; items are stolen or property is damaged.

●      Notify authorities—your relative or neighbour files an FIR and informs you.

●      Intimate the insurer—contact the helpline within 24 hours, submit the FIR and photos.

●      Survey & documentation—loss assessor verifies damage; you provide purchase proofs.

●      Claim settlement—insurer reimburses repair costs or market value of stolen items, minus excess.

Common Scenarios of Theft During Travel

●      Unattended homes: Extended holidays over Diwali or Christmas give thieves ample time to break in.

●      Airport pick-pocketing: Crowded terminals are hotspots for handbag and wallet theft.

●      Hotel room burglary: Leaving laptops or passports unsecured invites opportunistic crime.

●      Public-transport theft: Overhead-bin bags on trains or buses may be taken when you fall asleep.

●      Rental-car break-ins: Valuables left on seats tempt smash-and-grab incidents.

●      Social-media oversharing: Posting real-time holiday photos alerts local burglars that your house is vacant.

Home Burglary Travel Insurance tackles the first scenario, while a robust travel policy addresses the rest. Bajaj General Insurance offers comprehensive travel plans, digital claims and round-the-clock assistance.

●      First Information Report (FIR) or police report

●      Claim form duly filled and signed

●      Itemised list of stolen/damaged property with purchase invoices

●      Photographs or video evidence of entry damage

●      Proof of travel (tickets or boarding passes)

●      Comprehensive cover: Policies reimburse stolen baggage, cash, passports and home-burglary losses under optional add-ons.

●      24×7 assistance: A multilingual helpline guides you through police reporting, embassy contacts or emergency cash transfers.

●      Quick claims: Upload FIR and receipts via the Bajaj General App for faster settlement.

●      Global hospital network: Cashless treatment for injuries sustained during a robbery abroad.

Home protection: The Home Burglary add-on safeguards valuables while you explore the world.

Tips to Prevent Theft While Travelling   

Install motion-sensor lights, smart locks and CCTV that streams to your phone. Inform a trusted neighbour and pause newspaper deliveries to avoid tell-tale piles. Use a bank locker for high-value jewellery. On the road, carry valuables in RFID-blocking pouches and use hotel safes for passports. Avoid displaying expensive gadgets in public and keep digital copies of key documents in encrypted cloud storage. Finally, limit social media posts until you return—real-time updates advertise your absence.

Is Theft Covered by Travel Insurance? 

Standard travel policies cover loss of checked-in baggage and passport theft, but not burglary at your vacant home. To cover that gap, opt for a Home Burglary rider or a specialised travel insurance robbery extension. Always check sub-limits and exclusions—cash theft is often capped and gadgets may require valuation certificates. Select the right plan for you from Bajaj General Insurance and travel worry-free.