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Vehicle thefts are becoming common these days. In Delhi alone, over 40,000 cases of motor vehicle thefts were reported in 2018. Considering the situation in hand, theft coverage has become the need of the hour.

Importance of Comprehensive Motor Insurance

Comprehensive motor insurance is an extensive insurance policy, which offers numerous coverage and benefits to the policyholder. Theft cover can only be availed under this policy. Policyholders are required to pay an extra premium to purchase a comprehensive insurance policy. When you apply for a theft claim, the insurance companies pay an amount equal to the monetary value of the stolen bike/car to the policyholder.

What is the Process for Registering Motor Insurance Theft Claim?

Losing your beloved vehicle may add to your financial burden (cost of buying a new vehicle). This unfortunate event can be compensated only if you inform these three given authorities as soon as possible, namely- Police Station, R.T.O and Insurance Company. Here we are going to look at the process for registering motor insurance theft claim i.e. Bike and Car.

How to Register a Car Insurance Theft Claim?

Step 1: File an FIR

Once your car is stolen, immediately register a First Information Report (FIR) at the nearest police station regarding the theft. Collect the softcopy of the FIR. You need to submit the same to the car insurance company for the claim settlement procedure.

Step 2: Intimate your Car Insurance Provider

Once you are done with the FIR, contact your insurance company and inform them about the car theft at the earliest. Nowadays, some insurance companies have a time limit of 24 hrs under which you need to inform them about the theft. 

Step 3: Inform the Regional Transport Office (R.T.O)

R.T.O (where your car was registered) needs to be informed about the theft. You have to fill and submit Form Nos. 28, 29, 30 and 35. Under this procedure, the stolen motor car cannot be re-registered under the RTO.

Step 4: Collect No-Trace Report from Police

No-Trace Report (also called an untraced vehicle report) states that your motor vehicle is untraceable. It is one of the most important documents required for theft claim settlement. Sometimes, the police may take a month to deliver this report to you.

Step 5: Gather all the Documents

Once you are done with the above process, you are required to gather all the necessary documents (along with the claim form) for the claim settlement process. You can download the claim form from your insurer’s website. 

How To File a Bike Insurance Theft Claim?

Step 1: Register First Information Report (FIR)

Immediately register an FIR at the nearby police station for the lost bike and collect the softcopy of the same. This will help in the smooth processing of your theft claim.

Step 2: Contact your Bike Insurance Provider

Inform your bike insurance provider as early as possible and intimate them about the bike theft. 

Step 3: Intimate the Regional Transport Office (R.T.O)

Make sure you inform the Road Transport Office (R.T.O) about the bike theft at the earliest. You will be required to fill Form Nos. 28, 29, 30 and 35 and submit them at the R.T.O.

Step 4: Submit an Untraceable Report

It is one of the important documents that is required for the successful settlement of bike theft claims. This report states that your bike is untraceable.

Step 5: Complete the Documentation Process

After informing all the relevant authorities, submit all documents to the insurer to carry on the claim process.

Note- The insurance provider will scan through the documents and accept/reject the claim accordingly. 

Documents Required For Motor Insurance Claim Settlement Process

The policyholder is required to present all the relevant documents to settle the claims easily and quickly. Some of the important documents required are mentioned below:

  • The original FIR copy filed at the police station
  • Policy documents
  • Motor registration certificate
  • NOC (No Objection Certificate)
  • The duly signed claimed form
  • The non-traceable report issued by the police
  • Motor invoice
  • Driving license
  • Road tax receipt
  • RTO forms duly signed, along with other necessary forms like 28, 29, 30 and 35
  • Original keys of the vehicle

How much will be the payout?

There is a misconception that one will receive the reimbursement equivalent to the amount of the insured car/bike (in case of theft). But, this is only true when the policyholder has purchased an add-on cover called Return to Invoice. Under this add-on cover, the policyholder is entitled to receive the original purchase amount of the motor vehicle. However, if you don’t own this add-on cover, the insurance company will pay an amount equal to the current market value or the Insured Declared value minus depreciation of the motor vehicle.

What if your Motor Vehicle is Recovered?

If your motor vehicle is recovered, you are not entitled to receive a claim amount from your insurance provider. But the company reimburses you for the damage caused to the vehicle during the theft. Also, if your car/bike is still under the loan tenure, the insurance company reimburses the payout amount to the financier of your vehicle and the difference is paid by the vehicle owner.


If you are planning to buy a car/bike insurance policy, make sure you go through all the listed services offered by the insurer. Without a theft cover, you may face extreme difficulties and end up burning your savings. 

Naval Goel is the founder of He is an Associate Member of the Indian Institute of Insurance`, Pune. He has been authorized by IRDA to act as a Principal Officer of Insurance Web Aggregator.
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