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Simple Steps to Make a Car Theft Claim

Published On Mar 25, 2021 11:00 AM By InsuranceDekho

If your car gets stolen, you should register a claim to cover your loss. Here are the steps to raise the claim for car theft.

When compared to a basic third party car insurance policy, a comprehensive car insurance policy provides enhanced policy coverage. The latter provides coverage for own damage or loss incurred due to an accident or mishap in addition to the third party coverage.

Simple Steps to Make a Car Theft Claim

Steps to Raise Claim for Car Theft

In case the car is stolen, your insurance company will cover equals to the car’s Insured Declared Value (IDV). But to get it from your insurance company, you should register a claim as soon as possible to avoid any discrepancies or delay in approval. For this, you must understand the claim filing process, which is given below:

1. Register an FIR

When your car gets stolen, the first thing you are required to do is lodge an FIR (First Information Report) at your nearest police station. The police may ask you to share pertinent details to file a police complaint. After this, you will get a copy of your FIR, which you will need to raise the car insurance claim.

2. Contact Your Insurance Company

After registering a police complaint, you should intimate your insurance company about the car theft incident in detail either through any online mode, by calling them or by visiting the branch. You will need to fill a car insurance claim form and offer details such as car insurance policy number, car registration number, and details about theft.

3. Inform Your Regional Transport Office

According to the Motor Vehicle Act, you should inform your RTO (Regional Transport Office) about the theft of your car. You will need to fill some official forms that will be signed by the RTO officer. In addition to the duly signed forms, the RTO will provide you with the transfer papers to be submitted to the insurance provider.

4. Submit Documents to Your Insurance Company

Your insurance company will need you to present various documents to file a car theft insurance claim. Some of those documents are given below:

  • RC book copy
  • The claim form
  • Original FIR copy
  • Driving license copy
  • Insurance documents copy
  • RTO transfer papers and relevant RTO forms.

Besides these documents, you may also require to submit your original pair of car keys to register a successful car insurance claim.

5. Get No-Trace Report from Police

Once you have registered the FIR about the theft of your car, the investigation to search your vehicle will be begun by the police. If they fail to trace your car within a stipulated time frame, you will be entitled to get a no-trace report from your local police station. The document is compulsory to get the claim sanctioned by your insurance company. The no-trace report is generated after 30 days or more based on your location. 


Insurance companies can take up to 60 to 90 days to generate the IDV of your car. All in all, this claim process takes around 3 to 4 months. Hence, do follow this car theft insurance claim process properly and give all the required details and submit documents to your insurer to avoid any delay.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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