Introduction
Losing your car is every owner’s nightmare. In the panic that follows, many forget the correct insurance claim steps. The truth is, if you follow the right procedure and prepare all the necessary documents, you can get your full compensation without major issues. This article provides a guide on how to file an insurance claim when your car is stolen/missing so you’re able to think clearly when the situation occurs until receiving compensation.
1. File a Police Report Within 24 Hours
The first and most crucial step: report the theft to the police as soon as possible — ideally within 24 hours.
Make sure your report includes:
- Detailed location, Time & Date.
- Vehicle plate & model
- Distinct features (color, stickers, accessories, etc.)
This report serves as the main proof for your insurance claim. If the report is delayed, your claim may be postponed or rejected.
2. Contact Your Insurance Company or Platform Like Bjak
Once you’ve filed the report, contact your insurer or the platform where you bought your policy — for example, Bjak.
Provide your police report number and vehicle details. The insurer will ask you to submit:
- Vehicle Theft Claim Form
- Supporting documents such as the police report and eCoverNote
Don’t delay this step — some insurers only accept claims within a limited period after the incident.
3. Prepare All Required Documents
To speed up the process, prepare the following documents:
- Official police report copy
- Vehicle ownership certificate (VOC)
- Insurance policy and eCoverNote
- Owner’s IC and driving license
- Original and spare car keys
- Ownership release letter (if under bank loan)
Delays often happen because of incomplete documentation, especially if both car keys cannot be handed over.
4. Investigation by Police and Insurance Company
Once the claim is submitted, both the police and insurer will conduct simultaneous investigations:
- Police: To confirm that the theft truly occurred.
- Insurance: To ensure there’s no negligence or fraud involved.
The process will usually take 2-3 months. However, the duration process will be based on the severity of the case. Whether you’re able to recover your car or to be compensated for replacement
5. Receive Compensation (Total Loss)
If the investigation confirms the theft is genuine, you’ll receive a total loss compensation, which can be based on:
- Agreed Value: Full payout according to the agreed insured value in your policy.
- Market Value: Payout based on the car’s current market price.
The payment will be made directly to the policyholder’s account, or to the bank if the car is still under a loan.
6. Tips to Speed Up Your Claim Process
- Keep copies of all documents and receipts submitted.
- Avoid changing details in the report without a valid reason.
- Ensure your bank account (under policyholder’s name) is active and correct.
- Check your claim status regularly through your agent or Bjak.
Conclusion
When your car is stolen/missing, it’s hard to stay calm — but with quick action and complete information, you can speed up the claim process and avoid rejection. To stay better protected in the future, make sure you choose comprehensive insurance through Bjak during renewal — as it covers theft, not just accidents. That way, you don’t lose twice, your car and your money
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