Car Theft Insurance

Once you realize that your car has been stolen, the first and most crucial step is to inform the local police and file an FIR by providing the relevant information to register the report. The FIR is one of the mandatory documents you need to submit when you raise the claim against the policy.

After you have filed and received the FIR, inform ACKO immediately by calling us or by submitting the claim through our mobile app or website. The process is hassle-free, paperless, and straightforward.

One of the most important steps is to inform the RTO where your vehicle was registered. This step is mandatory as per The Motor Vehicles Act, 1988. You will be asked to fill the required forms and submit the same for an acknowledgment from the respective RTO officer. The RTO will provide you with the transfer documents that need to be submitted to ACKO.

Once the police have completed the investigation and found that your vehicle is not traceable, the police will issue a Non-traceable Certificate (NTC). This is one of the documents that is required for a successful claim settlement procedure.

Now that you have completed the above four steps upload the required documents on the ACKO app/portal to initiate the claim process.

Original FIR

Driving license

Car Registration Certificate copy

Ownership transfer documents issued by the RTO (forms 28, 29, 30)

In case of an ongoing car loan form 35 from the RTO

Copy of insurance certificate

Claim application form (if required)

Non-traceable Certificate (upon receiving it from the police)

Other Proof: You may have to submit the original car keys of the stolen vehicle.

Not informing ACKO on time: It is crucial to notify us immediately to process the claim further.

Mismatch in the documents: Documents are essential to verify the details. Mismatch in the facts may lead to rejection of the claim.

Using the car for commercial purposes: In case your vehicle is insured as a private vehicle, and you have used it for commercial activities, the claim will not be settled.

Unable to produce car keys: If you cannot produce the stolen car’s keys, the claim can be rejected.

Incorrect or false details in the application: While submitting your claim, you need to provide accurate information about the damages and how they occurred.

Negligent driving: If ACKO has reasons to believe that you have not taken enough precautions to avoid the theft, your claim will be rejected.

Ensure the insurance plan covers car theft (only the Comprehensive Insurance Plan covers car theft, unlike Third-party Insurance Plan).

Inform ACKO immediately about the car theft and register the claim.

Ensure you file First Information Report (FIR) at the local police station immediately.

Inform your RTO about the car theft so that they can record the same information.

Ensure you obtain the NTC from the police since it is crucial in settling the claim.

Finally, ensure that you inform ACKO and file FIR at the local police station on time to avoid your claim being rejected.