Insurance Claim

Dear Amit,

Exactly he can claim for the " INSURANCE" for his Stolen Laptop.

But what about the "COMPLAINT" which you registered with the Concerned Police, is it Registered as "FIR".

If your complaint is Registered as "FIR", then you can proceed for the "Insurance Claim"

Yes Mr. Aejaz saying right first you lodge the F.I. R. and see at that time police  lodge the F.I.R. not D.D. ok

Dear, if F.I.R. registerd after investigation ,if  area police filed charge sheet or final report regarging that stolen LapTop , after that insurance company may give insurance money.

With- out lodging F.I.R. you can not claim insurance money. 

THANK YOU ALL FOR YOUR REPLY.... HE LODGED FIR... AFTER POLICE INVESTIGATION

BUT MY ONLY POINT OF CONCERN IS, INSURANCE CO. SHOULD NOT TAKE A STAND SAYING THAT, THERE SHOULD BE DUE CARE OF THE PRODUCT WHICH IS INSURED, AND I FEEL.... THERE IS NOT DUE CARE FROM MY FRIEND'S PART....

CAN YOU TELL ME, WHAT ARE THE POINTS WHICH INSURANCE CO. CAN RAISE TO DENY THE CLAIM...

If they denied th eclaim then filed a case in consumer forum against them or also be filed a claim in ombusdman / IRDA

Dear Amit

   Your friend will definitely get back his insurance claim as he has already lodged an FIR. So far grounds to be taken by the Insurance Company is concerned their main ground will be lack of care. Moreover, in practice Insurance claim is not settled without lodging case. Hence file a consumer case in the District Consumer forum. I strongly believe that your friend will get because there are several jugement which will help you. This is because instead of taking in the fashion mentioned by you insurer will have to settle the claim even in a case of snatching.