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  • Car Insurance Claim For Stolen Cars

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    Having a car insurance should be a priority for every car owner as it protects him/her from liabilities that is incurred as a result of mishap as well as reduce their financial stress at the time. Also, it is mandatory to insure your vehicle in India as per the Motor Vehicles Act. Anyone not adhering to the rule, when caught, will have to pay a heavy penalty. Mishaps that occur can be man-made calamities, natural calamities, etc. Theft of the vehicle is a major concern to any and every car owner in India, hence insuring one’s vehicle becomes a priority to avoid the total loss one incurs as a result of robbery.

    Here are few pointers to keep in mind when claiming insurance for your stolen vehicle:

    • In case your vehicle gets stolen, you will receive the full value of the vehicle during the claim settlement
    • As soon as you find out that your car has been stolen, inform the insurer and file an FIR at the nearest police station without any delay
    • Submit a copy of the FIR along with other relevant documents to the insurer for processing of your claim
    • Ensure that you receive the correct amount pertaining to the original value of your vehicle, such that you are able to purchase another vehicle with the amount you recieve
    • Always keep records such as photos, receipts, invoice, etc. handy so that you can submit the same as proof when requested by the insurer or officials

    Claim Process In Case Your Car Gets Stolen

    The following steps have to be followed in case your car gets stolen:

    • Inform the insurer about the theft by calling the customer care team
    • Register your claim request with the customer care team
    • The customer care team will guide you through the claims process and will also provide you with a claim reference number that you can use for future reference
    • Then, go to the nearest police station and file an FIR, obtain a copy of the same

    Documents Required for Theft Claims Process

    • Claim form duly filled and signed by the policyholder
    • Original insurance policy document
    • Original Registration Certificate of the vehicle
    • Copy of the FIR filed by you
    • The vehicle’s original set of keys
    • The vehicle’s original sales invoice and tax receipt
    • Copy of the letter sent to the RTO by you informing of the theft along with the duly signed transfer papers from the RTO
    • Letter of Indemnity
    • Letter of Subrogation