Can I claim insurance if my two-wheeler was stolen from a parking area?

Whether your policy covers theft depends on whether you have comprehensive insurance (which typically includes theft coverage) as opposed to only third-party insurance (which generally does not cover theft of your own vehicle, only your liability toward others).

Regardless of your policy type, your first step should be filing an FIR promptly with the police, since this is essential both for the insurance claim itself and for any chance of recovering the vehicle. You'll then need to notify your insurer, providing the FIR copy and completing their claim form along with the required documents (registration certificate, insurance policy, and any other requested paperwork).

Insurers sometimes require you to wait a specified period (to allow a chance for police recovery) before processing a total theft claim, and may deduct depreciation from the vehicle's value in calculating the payout, depending on your specific policy terms. If your claim is delayed or unreasonably rejected despite having valid comprehensive coverage, you can escalate through the insurer's grievance process, the ombudsman, or a consumer complaint as needed.