Go Back   Team-BHP > BHP India > Team-BHP Reviews > Indian Car Loans & Insurance


Reply
 
Thread Tools Search this Thread
Old 17th November 2015, 15:02   #16
Senior - BHPian
 
funkykar's Avatar
 
Join Date: Oct 2008
Location: Bengaluru
Posts: 2,358
Thanked: 1,726 Times
Default Re: Vehicle theft due to owner's negligence = no insurance claim

I am a bit confused here. Occasionally if someone forgot, can it be termed negligence? Not supporting the car owner nor insurance company here. But occasionally, it can happen to anyone and if not lucky can get into such situations. How does one prove he wasn't negligent in such cases?

I also ask this because many leave behind the keys on 2 wheelers especially on bikes like Activa when they open the seat to keep the helmet back. Its happened to many people whom I have known and on couple occasions, I have taken keys left behind by some one and handed over to shop/hotel asking them to give it to owner if they returned.

What happens to such cases? I ALWAYS felt these 2 wheelers should have designed the lock in such a way that merely dropping the seat shouldn't lock, but the key has to be used to lock, like in the Bajaj scooters.

Coming back to this case, it can even be possible that the owner may have locked his car and lost the key/accidentally dropped key while pocketing. Some one found the key, stole the car?

Last edited by funkykar : 17th November 2015 at 15:03.
funkykar is offline   Reply With Quote
Old 17th November 2015, 19:20   #17
Senior - BHPian
 
Join Date: Oct 2012
Location: Delhi
Posts: 3,056
Thanked: 6,158 Times
Default

Quote:
Originally Posted by funkykar View Post
I am a bit confused here. Occasionally if someone forgot, can it be termed negligence? Not supporting the car owner nor insurance company here. But occasionally, it can happen to anyone and if not lucky can get into such situations. How does one prove he wasn't negligent in such cases?

Look at it from a different angle. If you forget to take your keys out of your car and the car gets stolen why should the insurance company pay for that? Its not their fault, you are forgetful and it might get your stuff stolen.

Being negligent, means you failed to take proper care. And yes, I would think simply forgetting stuff, which Im sure happens to all of us, does come onto that header.

There might be a more elaborate formal legal definition, but its all about taking proper and due care.

Jeroen
Jeroen is offline   (2) Thanks Reply With Quote
Old 18th November 2015, 20:28   #18
BHPian
 
Join Date: Feb 2010
Location: Kitchener
Posts: 197
Thanked: 108 Times
Default Re: Vehicle theft due to owner's negligence = no insurance claim

In case of theft of the vehicle, lodge an F.I.R. with the police immediately. Inform the policy issuing office with a copy of FIR and submit the final Police Report as soon as it is received. Extend your full cooperation to the surveyor and/or investigator appointed by the company. After approval of the claim by the company, get the Registration Certificate transferred in the name of the company, hand over the keys of the vehicle, submit a letter of Subrogation and Indemnity on stamp paper duly notarized.

I was about to buy insurance for my 2010 Punto and i opted for Zero Dep. The terms and conditions of the insurance stated the above text in the case of theft. We are supposed to hand over the keys. Assuming they will ask for both the keys including the spare key. !!


Mod Note: Please format the post with the forum, instead of using an external editor.

Last edited by ampere : 24th November 2015 at 14:12. Reason: Formatted post, removed external editor tags
Rubbertramps is offline   (1) Thanks Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance claim? Pay a little extra and retain your No-Claim Bonus! parrys Indian Car Loans & Insurance 12 1st November 2017 19:11
Can I delay the insurance claim (due to personal reasons)? himanshusharma Indian Car Loans & Insurance 3 13th May 2015 09:27
Hyosung GT650R crashed due to Garware dealer mechanic's negligence melroyal Superbikes & Imports 111 10th March 2014 18:48
ICICI insurance claim being denied due to FFE & Stickers. EDIT : Now resolved saintsinner Indian Car Loans & Insurance 75 15th January 2010 15:58
Another accident due to negligence of Authorities Sabareesh Street Experiences 9 3rd July 2008 15:46


All times are GMT +5.5. The time now is 10:13.

Copyright 2000 - 2017, Team-BHP.com
Proudly powered by E2E Networks