Theft / Burglary / Housebreaking (Vehicle, Parts, Battery)
Theft / Burglary / Housebreaking (Vehicle, Parts, Battery). Theft of the entire insured vehicle, OR theft of parts / fitted accessories / battery /. — DigiSurvey.
What it covers क्या कवर होता है
Theft of the entire insured vehicle, OR theft of parts / fitted accessories / battery / infotainment / wheel-rims from the vehicle, by housebreaking, burglary or forcible entry.
पूरे बीमित वाहन की चोरी, या housebreaking/burglary/forcible entry से गाड़ी के parts / fitted accessories / battery / infotainment / wheel-rim की चोरी।
Surveyor's verdict / key conditions सर्वेयर की जाँच
ESSENTIAL documents — (i) FIR filed within 24 hrs of discovery, (ii) a final / non-traceable report from police where applicable (for TL theft, insurer usually wants this before closing), (iii) RTO intimation under Form 28 / 29 / 30 if an owner-transfer dispute is possible, (iv) the ORIGINAL key(s) handed over — all duplicates matter, (v) policy premium realised BEFORE loss (64-VB). Reject or caveat if: duplicate key not surrendered, odometer / fuel level inconsistent with the "parked" story, GPS log shows post-loss movement. For parts theft, forcible-entry marks on the glass / lock must be visible; a "clean" theft of only a battery under an unlocked bonnet is suspect.
ज़रूरी दस्तावेज़ — (i) खोज के 24 घंटे में FIR, (ii) जहाँ लागू, पुलिस की final / non-traceable report (TL theft में बीमा कंपनी इसे closure से पहले माँगती है), (iii) owner-transfer dispute संभव हो तो Form 28/29/30 पर RTO intimation, (iv) सारी ORIGINAL चाबियाँ जमा — हर duplicate मायने रखती है, (v) नुकसान से पहले premium realised (64-VB)। reject या caveat करें अगर — duplicate key जमा नहीं, odometer/fuel level "parked" कहानी से मेल नहीं, GPS log नुकसान के बाद भी movement दिखाती है। parts theft के लिए glass/lock पर forcible-entry के निशान दिखने चाहिए; unlocked bonnet के नीचे से सिर्फ़ battery का "साफ़" चोरी होना संदिग्ध।
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