{"id":56346,"date":"2025-11-19T23:28:43","date_gmt":"2025-11-19T15:28:43","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56346"},"modified":"2025-11-19T23:28:46","modified_gmt":"2025-11-19T15:28:46","slug":"fire-theft-common-misunderstandings-when-making-a-claim","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim","title":{"rendered":"Fire &#038; Theft: Common Misunderstandings When Making a Claim"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d761d6dbf11\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d761d6dbf11\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\/#1_Misunderstanding_1_%E2%80%9CInsurance_Covers_All_Types_of_Fire%E2%80%9D\" title=\"1. Misunderstanding 1: \u201cInsurance Covers All Types of Fire\u201d\">1. Misunderstanding 1: \u201cInsurance Covers All Types of Fire\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\/#2_Misunderstanding_2_%E2%80%9CCar_Was_Stolen_But_Claim_Rejected%E2%80%9D\" title=\"2. Misunderstanding 2: \u201cCar Was Stolen, But Claim Rejected\u201d\">2. Misunderstanding 2: \u201cCar Was Stolen, But Claim Rejected\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\/#3_Misunderstanding_3_%E2%80%9CCan_Claim_Without_Complete_Documents%E2%80%9D\" title=\"3. Misunderstanding 3: \u201cCan Claim Without Complete Documents\u201d\">3. Misunderstanding 3: \u201cCan Claim Without Complete Documents\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\/#4_How_to_Ensure_Your_Claim_Is_Accepted\" title=\"4. How to Ensure Your Claim Is Accepted\">4. How to Ensure Your Claim Is Accepted<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Fire &amp; Theft insurance <strong>protects<\/strong> your car if thieves steal it or if fire damages it. Many car owners <strong>misunderstand<\/strong> when and how to file a claim. This article <strong>clears up<\/strong> common misconceptions and <strong>guides<\/strong> you to submit your claim so BJAK <strong>approves<\/strong> it smoothly.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Misunderstanding_1_%E2%80%9CInsurance_Covers_All_Types_of_Fire%E2%80%9D\"><\/span><strong>1. Misunderstanding 1: \u201cInsurance Covers All Types of Fire\u201d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Not all Fire &amp; Theft insurance covers fires caused by <strong>your own negligence<\/strong>.<br><\/li><li>Example: Insurance does not cover fires caused by electrical modifications or misuse.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Misunderstanding_2_%E2%80%9CCar_Was_Stolen_But_Claim_Rejected%E2%80%9D\"><\/span><strong>2. Misunderstanding 2: \u201cCar Was Stolen, But Claim Rejected\u201d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Many owners overlook a key requirement: they must have valid insurance on the car when the incident occurs.<\/li><li>Filing a <strong>police report immediately<\/strong> is crucial for the claim to be valid.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Misunderstanding_3_%E2%80%9CCan_Claim_Without_Complete_Documents%E2%80%9D\"><\/span><strong>3. Misunderstanding 3: \u201cCan Claim Without Complete Documents\u201d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Fire &amp; Theft claims require <strong>complete documentation<\/strong>:<\/p>\n\n\n\n<ul><li>Police report<br><\/li><li>Valid insurance copy<br><\/li><li>Evidence of damage or loss (photos, workshop report)<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Submit claims via <strong>BJAK official channels<\/strong> for a fast and smooth process.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_Ensure_Your_Claim_Is_Accepted\"><\/span><strong>4. How to Ensure Your Claim Is Accepted<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Check your <strong>Fire &amp; Theft coverage plan<\/strong> before any incident.<br><\/li><li>File a <strong>police report immediately<\/strong> if stolen or damaged by fire.<br><\/li><li>Submit all documents via <strong>BJAK official channels<\/strong>.<br><\/li><li>Follow any additional requirements, such as <strong>inspections<\/strong>, if needed.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56407\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\/attachment\/4-125-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"4-125\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing four common Fire &amp; Theft misunderstandings including fire coverage, theft, complete documents, and correct claim tips.\" class=\"wp-image-56407\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-125.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Car owners can avoid many <strong>Fire &amp; Theft claim<\/strong> issues by understanding the requirements and procedures. Make police reports immediately, gather all necessary documents, and submit them through BJAK\u2019s official channels. Doing this ensures BJAK approves your claim quickly and without problems.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=fire--theft-common-misunderstandings-when-making-a-claim\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-lost-when-changing-car-owner-maintaining-ncd\">NCD Lost When Changing Car Owner?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-protection-while-driving-in-rural-areas\">Insurance Protection While Driving in Rural Areas<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-tips-for-households-with-multiple-cars\">Insurance Tips for Households with Multiple Cars<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many car owners are confused when making a Fire &#038; Theft claim. This article explains common misunderstandings and how you can claim correctly.<\/p>\n","protected":false},"author":31,"featured_media":56406,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,3147],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fire &amp; Theft: Common Misunderstandings When Making a Claim | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Fire &amp; Theft: Common Misunderstandings When Making a Claim That Results In Claims Being Rejected!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fire &amp; Theft: Common Misunderstandings When Making a Claim | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Fire &amp; Theft: Common Misunderstandings When Making a Claim That Results In Claims Being Rejected!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/fire-theft-common-misunderstandings-when-making-a-claim\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-19T15:28:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-19T15:28:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-122.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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