How To File A Claim If Your Car Is Stolen

Julio Lindert
5 Steps To Claim Insurance For Your Stolen Vehicle

Car theft is a rising concern in Indian cities, including Delhi and Mumbai, with thousands of cases reported annually. Owners can find solace in stolen car insurance, which provides substantial compensation for stolen or burglarised vehicles. This coverage includes broken doors, shattered windows, and ignition lock damage.

To What Extent Will The Insurance Company Pay Out?

If your stolen car isn’t recovered, your insurance company pays the Insured Declared Value (IDV), the current market value. This coverage applies to those with their own damage or comprehensive car insurance; no coverage is provided without these plans. To claim car theft coverage, report the incident to your insurer and the police, and an insurance representative will assist you throughout the process. Always make sure that you do the process of Bajaj Allianz car insurance renewal online to get uninterrupted coverage. Claims are subject to terms and conditions set forth under the motor insurance policy. *

Steps In The Insurance Claim Process For Car Theft

To help you receive prompt compensation if your car is stolen, here is a brief overview of the car insurance claim process for car theft:

  • Register a First Information Report (FIR)

File a police First Information Report (FIR) at the nearest police station immediately upon discovering the theft. Please obtain a copy of the FIR, as it’s a crucial step for filing an insurance claim for car theft.

  • Notify Your Car Insurance Provider

Report the theft to your car insurance provider after filing a First Information Report (FIR). Follow your insurer’s specific claim procedures and timeframes to ensure a smooth process.

  • Let The Transport Office Know

You must legally report your vehicle theft to the nearest Regional Transport Office (RTO) and obtain the necessary paperwork for your insurance claim.

  • Form For Car Theft Claim

In addition, you must fill out the claim form and contact the insurer’s customer service department. The details of the vehicle, the policy number, the time, the date, and the incident description are among the data that might be needed.

  • Submit The Documents

To claim car theft insurance, provide your insurer with your vehicle’s registration certificate, a signed claim form, first two insurance policy pages, driver’s license, police report, and RTO notice for theft. If the police recover your vehicle, submit the original repair invoice and payment receipts.

  • Approval Of Claim

Once the police have submitted a final “non-traceable report” and your claim has been approved, you must transfer the registration certificate of your stolen car to your car insurance provider. Along with giving the insurer a letter of subrogation, you also need to turn in all of the original and duplicate car keys.

  • Payment/Reimbursement

The insurance company will pay you once the vehicle is deemed untraceable. Should the vehicle be located, payment will be made in the amount authorised by the surveyor in the report.

Documents Needed For Car Insurance Claims

  • Copy of driver’s licence
  • ID proof of policy holder
  • Documents of a car insurance policy
  • RC book xerox 
  • Duly filled claim form
  • Original police FIR
  • Completed car theft claim form RTO documents/forms, such as forms 28, 29, 30, and 35
  • Additionally, the original car keys ought to be in your possession.

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*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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