A claim under a motor insurance policy for a stolen vehicle, with the owner's indemnity to the insurer.
Date: 1 April 2026, at Ludhiana
TO:
The Claims Manager
ABC General Insurance Company Limited
Regional Office, SCO 25, Sector 17-E, Chandigarh 160017
FROM:
Harjinder Singh Gill
House No. 412, Sector 38-A, Chandigarh 160036
Phone: 98765 43210
Email: harjinder.gill@example.com
SUBJECT: Theft claim under policy no. P/141234/01/2026/003318 for vehicle PB 10 AB 1234
Sir / Madam,
1.1 I am the insured owner of Maruti Suzuki Swift VXi, white, registration no. PB 10 AB 1234, engine and chassis nos. Engine K12MN1234567; chassis MA3EWDE1S00123456, insured with you under motor policy no. P/141234/01/2026/003318.
1.2 The vehicle is hypothecated to State Bank of India, Sector 17, Chandigarh.
2.1 On 2 April 2026 the vehicle was stolen from the parking lot of Elante Mall, Industrial Area Phase 1, Chandigarh. I parked the car at 6 pm and found it missing at 9 pm. The security guard did not see who took it.
2.2 I reported the theft to the police. The FIR is FIR No. 118 dated 12 October 2026, Police Station Industrial Area, Chandigarh.
2.3 The police have not yet closed the case; I will send you the untraced report as soon as I receive it.
2.4 I still hold both original keys.
2.5 I first told you of the theft on 3 April 2026. The claim number is MC/2026/118842.
3.1 Please register this claim, give me the claim number in writing, and tell me in one list every paper you still need, with the name and number of the officer handling the claim.
3.2 Please settle the claim for the insured value of the vehicle, less only what the policy allows, and give me each deduction in writing with the clause of the policy you rely on.
3.3 Please pay the amount due by transfer to the account held by Harjinder Singh Gill with HDFC Bank, Sector 40, Chandigarh, account ending 3391. I will give the full account number on your own form, not in this letter.
4.1 In return for your settling this claim, I, Harjinder Singh Gill, promise and agree as follows.
4.2 I will hand over to you the original registration certificate, the original keys and such other papers and things as you reasonably ask for, and will sign any letter of transfer or subrogation needed to pass the vehicle to you once the claim is settled.
4.3 If the vehicle is found, before or after the claim is paid, I will tell you at once. If it is found after payment, I will give it to you, or, if you choose, take it back and repay the amount you paid me for it.
4.4 I have not sold, pledged or parted with the vehicle, and no other insurer has been or will be asked to pay for the same loss.