How to Make Theft Claim for My Vehicle Online?

Buying a car and car insurance is not all. You need to know certain basic procedures to follow in case of unforeseen emergency situations. One of them is the theft of your car. Here is the guide to help you in such an unfortunate scenario.

  • File an FIR: Filing a First Information Report is one of the most crucial steps. It is a prerequisite to go to the nearest police station and file the theft report as soon as you come to know about it.
  • Inform your car insurance company: Once you have informed the police, you need to inform the insurance company about the theft. There are set formalities and standards by every company regarding vehicle insurance You need to make sure you adhere to it.
  • Inform the transport office: The Regional Transport Office has all the documents regarding your vehicle. You need to transfer the documents and other related papers from them as a part of the procedure, and thus you need to inform them.
  • Car theft claim form: You need to submit the claim form by calling the insurer’s customer service. They will ask basic details like car details, policy number, as well as the time, date, and description of the incident.
  • Documents submission: You need to further submit documents like copy of your car’s Registration Certificate, duly signed claim form, first two pages of the policy documents, Police FIR, driving licence, and a theft intimation letter to the Regional Transport Office.
  • Approval: Once the police submit a final No Traceable Report and your claim is approved, you need to transfer your stolen car’s RC in favour of the insurance company, hand over all the car keys, and give a letter of subrogation to the insurer.
  • Reimbursement: You need to submit the original invoices of the repair work and the payment receipts to the car insurance company to receive reimbursement as per the amount that is approved. The reimbursement will be received within seven working days.

Documents needed for making the claim (differs from company to company):

  • Xerox of driving license
  • Car insurance policy documents
  • Xerox of RC book
  • Original Police FIR copy
  • Duly filled car theft claim form
  • RTO papers/forms like form 28, 29, 30 & 35

The entire process is a little lengthy and requires your patience. It takes around 4 months for the process and you need to wait for the insurance company to take the next steps after that.

Your car theft insurance can be rejected due to some of the following reasons:

  • If the car has a non-commercial license and has been given on rent for commercial purposes.
  • In case of invalid Registration Certificate.
  • Misinterpretation of facts regarding the theft of the vehicle.
  • If the car is not transferred to the policyholder’s name.

Companies like Bharti AXA provide maximum claim settlement in such cases.



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