Lost my Scorpio 2 weeks ago (7th Jan), due to a theft.
Parked right in front of my house, in a good residential layout (BDA/BBMP, Bangalore). 2005 model SLX, came with whatever built in autocop security feature. I had invested on stanley leather seats; a year ago changed MRF Wanderer tyres (including spare wheel); changed battery 3 months ago. And topped up the tank on the same day!
I live in an independent house, with basement car parking. I dont park the car in the basement every night, but only on days when I am away for few days. Almost everyone in the locality park their cars outside (its a good broad road, and generally safe). My dad claims he noticed the car around 1:30AM in the morning; when he woke up at 5.30 to water the plants and car (his early morning routine), he could not find the car.
I wasn't too surprised, though I took a whilst to come to terms, 'coz couple of my friends too had lost their Scorpio. I had heard stories about how / why they steal (to power the boat with scorpio engines?). I lost any hopes of finding the car instantly. On a lighter note, my family wanted me to go around the neighborhood looking for the car, just in case the thieves had abandoned the car after removing valuables
One of my friend (who lost his car to a theft in a similar scenario, in Bangalore, 2 years ago) found the car 7 months later. I believe the engine was at the back seat! Almost everything was gone, and he had to spend nearly 3 lakhs to make it run again. Of course, the insurance company did not pay much due to their own assessment method.
Anyway, I lodged police complaint and promptly received FIR by end of the day (Banaswadi police station). The police were generally concerned and very helpful. Thankfully, I have too many contacts with police department, but in my honest assessment, the police never showed 'I dont care' attitude. Probably they would have lodged FIR and would have done the needful even without the contacts. In fact, the police inspector (the guy won a president's medal last year) came home to assess the theft and accepted the complaint at home! Kudos Bangalore Police! BTW
, on the same night, one of the retired Major lost his Scorpio too, few hundred meters away! Within the same police station limit. So the thieves had a field day.
Visited Bajaj Allianz insurance company the following day. I had registered the complaint and claim the day I lost the car. Took both the original keys with remote, RC card, policy original copy, police FIR and complaint, etc. It was a breeze.
Visited Indiranagar RTO on the same day with a letter of 'NOT IN USE' and 'DO NOT TRANSFER' request (a copy of FIR needed). After 15 mins, I had an acknowledgement and stamp on my letter from RTO! There was no demand for 'something', whatsoever.
The RTO acknowledgement, and a cancelled cheque (for bank NEFT form) is needed by insurnace company.
Now comes the wait.... I believe it takes few months for the police to issue Report C, which would state that they have done their best and the car could not be located. Post which, the insurnace company will carry out their process before obliging my claim.
In a nutshell, though I am upset (so many memories!) and feel the loss, I am pragmatic about the loss. Its only a material, and material can be bought. I shall buy a new car (which is a need!) based on my affordability.