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How to File Car Insurance Claim in Case of Theft?

It is a comprehensive cover for personal accidents, natural and man-made damage caused to the vehicle. Filing a vehicle insurance claim after the theft of an automobile is not the same as filing the claim for any other reason.

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Filing a vehicle insurance claim after the theft of an automobile is not the same as filing the claim for any other reason.
Representational Image, Pixabay

You buy your dream car to travel every part of the country with luxury. How would you react on discovering that your car is missing? Someone stole your car. This is when your motorcar insurance comes into the picture. It is a comprehensive cover for personal accidents, natural and man-made damage caused to the vehicle. Filing a vehicle insurance claim after the theft of an automobile is not the same as filing the claim for any other reason. Theft is the total loss of value of the automobile and is equal to the complete destruction of the car in an accident that causes it to be written off as scrap. Car theft in India is widespread and some instances happen daily. Every day, 105 cars were stolen in the year 2016-17 (Ref: Indpaedia). To make a claim with motor insurance companies in India, your vehicle needs to be covered under the comprehensive insurance policy which includes third party cover, a loss or damage to the vehicle, accident, theft, and risks against natural calamities.

Here is how you can file a car insurance claim in case of theft

FIR – The insured must lodge the First Information Report (FIR) immediately. It is an official proof of the fact that the car has been stolen. It is the first and an important step to file your claim. Without this, you cannot claim your insurance. The car insurance cover requires the owner to take all the responsible steps to recover the loss due to the lost vehicle.

Theft is the total loss of value of the automobile and is equal to the complete destruction of the car in an accident that causes it to be written off as scrap.
Representational Image, Pixabay

Informing the Regional Transport Office – One should notify the RTO about the theft of the vehicle. It will ensure that the thief does not transfer the vehicle to his or her name. One should inform the RTO in writing and submit the acknowledgement to the car insurance company. A copy of the RC book with a stolen endorsement must be obtained from the RTO. It should be submitted to the insurer.

Submit original car documents – To file a claim, the car owner should submit the original vehicle insurance policy document, tax invoices for the last year and other documents of the car.

Acknowledgement from car loan provider – If your car loan is not yet repaid, then you are bound to inform the lender and obtain a response from them. You should also submit the latest loan statements to indicate the total amount due.

Claim Form – Call the customer service centre of the insurance company and fill the claim form by giving all the necessary information which includes policy number, vehicle details, time and description of the incident. You will be required to submit the duly signed claim form, copies of the Registration Certificate (RC) of the vehicle, policy document and driving license.

Closure report – The police will try to investigate the loss and try to recover the car and submit their report stating that the vehicle could not be found. The court will close the case after this and a No Trace certificate will be submitted to the insurance company. The payout will be made only after the document is submitted.

Also Read: Apple Bullish on Indian Market With $61.1bn in Revenue 

Other documents – Your identity proof and a copy of your driving license should be submitted to the insurance company. Additionally, you will be required to provide an NOC for transfer of the vehicle to the insurance company along with a letter of indemnity on a stamp paper. You will have to transfer the RC of the stolen vehicle in favour of the company, hand over all sets of keys and give a letter of subrogation to the insurance company. Finally, you hand the documents over to the insurance company and claim.

Every insurance company follows the steps mentioned above for the acceptance and reimbursement of the claim. However, it is crucial for the vehicle owner to take immediate action and report the theft to the authorities. Motor Insurance companies in India offer quick processing and approval of the claim if you have purchased comprehensive motor insurance. It is important to note that in case the vehicle is taken on a loan, the insurer will have to reimburse the payout amount to the financier, and if there is any excess amount, it will be borne by the insured.

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Protect Your Digital Self in a Few Minutes a Day

Here are ways to protect your digital identity

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Digital dangers
In this growing online world, you need to protect yourself from digital dangers. Pixabay

No one can feel safe noways if you post anything online from time to time on your social media profile, or anywhere else. What kinds of after effects you might encounter if you share or leave your email somewhere? What about the things you say or express online? Don’t you think this kind of information may end in the wrong hands? Let’s find out what scary scenarios may happen to you unless you’re paying due attention to that and how to avoid being trapped into digital dangers for your identity.

First of all, let us start with the popular background check tools that use open governmental and private sources to gather all the information available about you in one place. You might be surprised by the amount of data available freely about you online and that you are not aware of it. Those types of tools fall under the Open Source Intelligence category apps. 


Plenty of lawbreakers were able to design special tools that allow parsing the information they need just like the police search tools in popular movies. Those tools scanning publicly available databases as well, that what makes them so dangerous to you. What can be done against those big data monsters? It’s quite easy to check what kind of information about you may be freely available through those OSINT tools and how easy someone fraudulent can get use of it.

Protecting digital identity
The amount of data available freely about you on the digital platform might surprise you. Pixabay

Digital footprint

Any emails you ever replied or received, every post you shared on Facebook, every selfie you uploaded on Instagram – all of that creates your digital footprint identity. Anything that was ever said or done on the Internet will stay there forever and that is one of its foundation stones. Clicking on “accept cookies policy” button will help the webmasters track the activity you perform on their websites and since this kind of info is stored somewhere, you will add that to your digital footprint. Most of the digital footprint types can be divided into two main groups: “active” and “passive”.

  • “Passive” are the ones you leave unconsciously or in some cases without even know about that. For example with the data tools such as Google Analytics, the website owners are tracking how many visits or clicks were obtained from your IP, location or country. Since most of such processes are going unnoticed and you were not going to send that data over, you may not even realize that something is collected.
  • “Active” footprints are the ones you choose to share over the web. Posts from your social media accounts or your contact details on various forums or Web 2.0 pages are classic examples of your active digital footprint. Once you log in to some shared directory from your working desk and make changes to something that is visible for everyone with access is another example of the active footprint.
Digital footprint
In case you are aware of the digital footprint you leave or simply don’t want your search history to be revealed, use Incognito mode in Google Chrome. Pixabay

How to find your online presence?

One of the most obvious ways to find yourself online is by using some of the most popular search engines like Google, Bing, Yahoo, Yandex etc. In case you are aware of the digital footprint you leave or simply don’t want your search history to be revealed, try DuckDuckGo or use Incognito mode in Google Chrome. The Tor browser is another great option to be considered.

You can also use such people search directories like Nuwber, OneRep, BeenVerified or Instantcheckmate or simlply what info you already shared on social media with the help of FB People Directory or Facebook Email Search.

What identity theft can lead to?

Financial aspect – you won’t believe that but once the information about you was leaked it may be used for years after that, leading to fraudulent activity on your credit card, cleaning your bank account, to get a job, using our SSN or get tax return instead of you.

Emotional aspect – once you reveal that your identity was stolen you might encounter such things as being in constant stress or feel anxious. In some cases, people can commit suicide as they don’t have the power to stand against that. Just imagine someone’s calling you and demanding to pay the credit you never asked. The result may be quite tragical.

Physical aspect – your identity being stolen may result in stomach pains and headaches, inability to work or think properly.

Social aspect – since we all live in a digital world, identity theft may lead to losing your job or spoiling your reputation in some cases. Once such a case is revealed, you need to ask for professional help from the governmental or private institutions, depending on the severity of a problem.

Digital self
To protect your digital self, you shouldn’t reveal your real name and data on high-risk websites. Pixabay

Simple Tips to be Safe and avoid stealing your Identity

1. Always use strong passwords. There are plenty of tools that will help you to generate secured ones and store them in safe application like Dashlane.

Also Read- Indian Consumers In Tier-2 Cities Take Advantage Of Online Transactions: Report

  1. Check whether your email was a part of a leaked emails batch by checking it on HaveIbeenPwned.
  2.  Don’t use your real name on the forums and high-risk websites, unless it’s needed.
  3. Disable sharing location option on your mobile device option.
  4.  Never use your personal and financial details in shared networks, especially public WiFi, or use secure VPN connection.

With the growth of mobile and PC traffic worldwide, the demand for all kinds of leaked data will only grow over time. To save yourself from any negative effects of the data leakage you would only need to follow the simple security rules.