Car Insurance in Mohali

With the growing traffic congestion and rising risk of road incidents, having car insurance in Mohali has become increasingly crucial. Whether you're driving through the city’s busy streets or commuting to nearby areas like Chandigarh, a comprehensive car insurance policy offers essential financial protection. It covers a wide range of risks including vehicle theft, road accidents, third-party liabilities, and natural disasters.

Beyond basic coverage, the right insurance plan also provides benefits like cashless repairs at network garages, quick claim settlements, and support during legal complications. It ensures peace of mind by reducing out-of-pocket expenses in case of unforeseen events.

Moreover, some policies offer add-ons like roadside assistance and zero depreciation cover, enhancing overall protection. Investing in the best car insurance in Mohali is a smart decision that safeguards not just your vehicle, but also your financial well-being and driving confidence.

Why Should You Buy Car Insurance in Mohali?

Protects Against Urban Risks

Mohali’s growing traffic and expanding infrastructure increase the chances of road mishaps. Car insurance helps cover damages from accidents, collisions, and even vandalism—common risks in busy city areas.

Covers Accidental Damage

With Mohali being a key residential and commercial hub near Chandigarh, daily commuting can be hectic. Car insurance ensures you don’t bear the financial burden of repairs due to accidental damage or third-party liabilities.

Quick Cashless Claims

Enjoy cashless claim services at thousands of network garages across Punjab and nearby regions. With app-based claim filing, you get faster approvals and minimal paperwork—making the process smooth and stress-free.

24/7 Roadside Assistance

Whether it’s a breakdown on the highway or a flat tyre in the city, round-the-clock roadside support ensures you’re never stranded. Services like towing, fuel delivery, and emergency repairs are just a call away.

Para

Stats About Mohali Traffic

Mohali’s rising vehicle numbers and busy roads make car insurance essential. With frequent intercity travel and increasing accident risks, a good policy protects against damage, theft, and third-party liabilities. Quick cashless claims and 24/7 roadside assistance ensure you're covered during breakdowns or emergencies. Investing in car insurance here means driving with confidence and financial security.

Why Choose Us?

Why 8 Crore+ Policyholders Choose Us?

IndusInd General Insurance offers the best car insurance in Mohali with affordable premiums starting at ₹308/month. Our digital-first approach makes buying, renewing and claiming easy through the IndusInd Insurance app. We cover Mohali's driving problems and monsoon dangers with 11,000+ cashless garages, 48-hour claim approvals and 15+ customised add-ons.

Location Car Insurance

Easy to Buy, Renew & Claim

All possible via our Mobile app

Up to 3 Years Coverage*

Get long term and short term coverage

Video Claims Feature Available

File claims on your phone via our app!

24/7 Customer Support

Get help anywhere in Mohali!

Key Features and Benefits of Car Insurance in Mohali

Key Features	Benefits
Online Buy/Renew/Claim	Via the official website and IndusInd Insurance App
Affordable Premiums	Low car insurance premiums starting at just ₹308/month
Quick Claim Settlement	One of the quickest claims settlement in the industry.
11,000+ Network Garages	Enjoy cashless repairs and replacement at over 11,000 network garages in India
Add-ons	Enjoy customised coverage with more than 15 essential car insurance add-ons
Personal Accident Cover	We offer up to ₹15 lakh personal accident cover for the owner-driver
No-Claims Bonus	Reduce your premiums by up to 50% using the no-claims bonus rewards offered for your claim-free years.
Attractive Discounts	Get up to 90% discounts on buying car insurance in Mohali online
24*7 Customer Support	We offer highly responsive customer support via call, email, chat and video calls
Quick Claims Survey	We offer a quick claims survey within 48 hours of claim intimation to ensure the fastest settlement
Zero Paperwork	Enjoy paperless policies for easy management and seamless coverage

Types of Car Insurance in Mohali

Comprehensive Car Insurance

This plan offers complete protection for your vehicle, covering both own damage and third-party liabilities. Ideal for new car owners or families who rely on their vehicle daily, it ensures all-around safety. You can also enhance coverage with multiple add-ons, including options for electric vehicles and zero-depreciation benefits.

Buy Now

Pay-As-You-Drive Insurance (PAYD)

Perfect for those who drive occasionally, PAYD charges you based on actual kilometers driven—ranging from 2,500 km to 15,000 km annually. If you use public transport for daily commutes and drive mostly on weekends, this flexible plan helps you save while staying protected. Smart tracking tools ensure accurate usage monitoring and easy top-ups.

Buy Now

Own-Damage Car Insurance (OD)

Already have third-party coverage? Add own-damage insurance to protect your car from accidents, theft, fire, and natural disasters. Whether it’s damage from potholes or heavy rains in Mohali, this plan covers repair costs so you don’t have to pay out of pocket.

Buy Now

Third-Party Car Insurance (TP)

Mandatory for all vehicles, third-party insurance covers damage caused to others by your car. Avoid penalties and legal issues by choosing from short-term (1 year) or long-term (3 years) plans. It’s also the most budget-friendly option for basic legal compliance.

Buy Now

Inclusions & Exclusions

Car Insurance in Mohali: Inclusions and Exclusions

Location - Car Insurance

What is Covered?

Accidents - Covers repair costs when your vehicle gets damaged in road accidents or collisions.

Fire Damage - Covers car repair expenses for fire, explosion or lightning damage.

Natural Disasters - Covers car damage from floods, storms, earthquakes, etc.

Third-Party Claims - Covers damage or injury you cause to others or their property.

Transit Damage - Covers damage while transporting your car by road, rail or air.

Theft Protection - Financial protection against car theft or break-in damage.

Location - Car Insurance

What is Not Covered?

Regular Wear and Tear - You’re covered for repair bills, but coverage of wear & tear of parts is excluded.

Engine Breakdown - Engine-specific failures not associated with accidents will require add-on coverage.

Illegal Activities - We cover all accidents in Mohali , but not those from unlawful driving activities.

International Travel - We offer pan-India coverage, but accidents outside India will require add-on coverage.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

Need Help?

Schedule a callback

Call Us

Popular Car Insurance Add-On Covers in Mohali

NCB Shield

Protects your No Claim Bonus even after filing a claim. Ideal for maintaining discounts on renewals

Pay-As-You-Drive

Premiums are based on actual kilometers driven. Great for occasional drivers who want to save more.

Return to Invoice

In case of total loss or theft, you get the full invoice value of your car. Helps recover maximum value.

Engine Cover

Covers engine damage due to water ingress or oil leakage. Essential during monsoon or poor road conditions.

Tyre Cover

Protects against punctures, cuts, and bursts. Useful for city driving and rough terrain.

Key & Lock Cover

Reimburses costs for lost or damaged keys and locks. Helpful in case of theft or misplacement.

Consumables Cover

Covers items like engine oil, nuts, bolts, and lubricants. These are usually excluded from standard policies.

Rim Protection

Covers accidental damage to alloy wheels or rims. Ideal for premium vehicles with expensive wheels.

24/7 Roadside Help

Provides towing, fuel delivery, and minor repairs. Ensures you're never stranded during emergencies.

Personal Belongings Cover

Covers loss or damage to items inside your car. Useful in case of theft or collision.

Daily Travel Allowance

Pays for alternate transport when your car is under repair. Helps manage daily commute expenses.

EMI Protection

Covers monthly EMIs if your car is in the garage post-accident. Keeps your finances stable.

NCB Retention

Retains your No Claim Bonus even after a claim. Ideal for long-term savings on premiums.

Electrical Accessories

Covers damage to gadgets like music systems or GPS units. Useful for tech-equipped vehicles.

Non-Electrical Accessories

Covers items like seat covers and mats. Ensures full protection for your car’s interiors.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Mohali ?

Location - Car Insurance

Buy Online

Enter car details and mobile no. You can use our calculator to check SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and OTP. Next, select your policy type and the car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and finish the CKYC with your PAN details to receive your car policy.

Location - Car Insurance

Renew Online

Select ‘Renewal’ and begin your car insurance renewal instantly.

Enter your policy number or vehicle registration number.

Check and update the address or other information if required.

Pick new add-ons if you want additional coverage options.

Make payment online and get your policy renewed right away.

Homepage Curated Plans Client Extension

How to File?

How to File a Claim in Mohali

How to File?

Step 1

Report the accident or damage through the app immediately after the incident.

Step 2

A surveyor is automatically assigned based on your location to inspect the damage at the network garage or accident site. To check the list of our cashless network garages near you instantly, use the widget below.

Step 3

You can also use the app to conduct an online survey with photos and a live video call with the surveyor.

Step 4

Submit documents such as insurance policy, RC book, driving license, FIR and repair estimates.

Step 5

Get the vehicle repaired at a network garage and then we will settle the bills directly with the garage.

Step 1

Call customer service at 022-48903009 to inform us about the accident or damage to the vehicle.

Step 2

The network team contacts you within 24 hours and allocates a surveyor for damage assessment.

Step 3

The surveyor visits the location to inspect the damage, take photographs and prepare a detailed inspection report.

Step 4

Submit the insurance policy, RC book, driving license, FIR and paid repair estimates for verification.

Step 5

Pay the garage bills first, then submit the paid invoices to us for reimbursement.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Key Takeaways

Mohali is one of Punjab’s fastest-growing cities, with a rising number of vehicles on the road. Its mix of urban traffic, flyovers, and seasonal weather challenges—like heavy rains—puts car owners at risk of both accidents and environmental damage.

Local traffic authorities report thousands of road accidents annually, with most claims involving dents, bumper damage, and body repairs. Add to that the risk of waterlogging during monsoons, which can lead to engine damage and broken windshields from debris or falling branches. With threats from both traffic and nature, having strong car insurance is essential.

That’s where we step in—our car insurance plans help cover these costs so you don’t face unexpected expenses. You get access to 11,000+ cashless garages*, 24/7 customer support, and easy claims through our mobile app. You can also renew your policy or update details right from your phone.

With our coverage, you drive through Mohali with confidence—knowing your car and finances are protected.

Author - Location Car Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

IndusInd General Insurance

Get full-circle protection for your Car !

From damage and theft to add-ons like roadside assistance, we’ve got you covered.

Get Car Insurance

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Asset Publisher

4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

The best insurance experience I've had! Simple, affordable, and reliable. Highly satisfied with my Car policy.

Balasaheb Babu Rao Deosarkar

Yavatmal

4.5

Seamless digital experience

My experience of getting my car insurance was easy and straightforward. I am satisfied with the policy and don't see a need for extras.

Abdul Bawani

Yavatmal

Quick policy issuance

Purchcasing my Car felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Debashish Sen

West Tripura

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Rupak Das

West Tripura

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Prasen Jitpal

West Midnapore

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Sankuratri Venkata Bulli Rani

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Manthenaravi Teja Varma

West Godavari

Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I'm happy with how everything went and feel secure with my policy.

Karem Raja Rao

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

Nekkalapu Vijaya Lakshmi

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Gunnampurna Chandrasekhar

West Godavari

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Vendrabala Nageswara Rao

West Godavari

Quick policy issuance

I had a positive overall experience while applying for Car insurance from Reliance (now IndusInd) . It met my requirements well and felt tailored to my needs. I did not feel the need for any other products at this time. I found the entire process trustworthy and efficient.

Balla Leela Naga Surya Kumari

West Godavari

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Narendra Kumardevaneni

West Godavari

Quick policy issuance

I was impressed by the overall Reliance Insurance (now IndusInd Insurance) experience. The platform was intuitive, and the coverage felt like a perfect fit. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Sobhit Gupta

New Delhi

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Ritesh Gupta

New Delhi

Quick policy issuance

I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good experience.

Nishida Noonhampurath

Wayanad

Quick policy issuance

The journey of purchasing car insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Sushil Madhukar Raosapkal

Washim

Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs. I'm happy with how everything went and feel secure with my policy.

Gaddam Keerthi

Warangal

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. The process felt reliable and I would recommend it to others.

Nagamandla Rama Devi

Warangal

Quick policy issuance

Buying a car policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Nadipellimadhava Rao

Warangal

Quick policy issuance

The journey of purchasing car insurance from Reliance (now IndusInd) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Sayyedja Lalahamed

Warangal

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Jaya Krishna Madupu

Warangal

Seamless digital experience

The journey of purchasing Car insurance felt effortless and user-friendly. The product details, coverage and offerings do not match my needs currently.

Thanneeru Srinivas

Warangal

Quick policy issuance

I had a positive overall experience while applying for Car insurance. It aligns well with what I needed from an insurance policy.

Harikrishna Kavati

Warangal

Quick policy issuance

Buying a Car policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Asra Parveen

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Veldandi Satish

Warangal

Quick policy issuance

The journey of purchasing Car insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. The process felt reliable and I would recommend it to others.

Mugala Manohar

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Mutika Raju

Warangal

Quick policy issuance

Buying a Car policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Kotte Siromani

Warangal

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. While digital is fine, having a physical document would add assurance. Overall, it was a seamless experience and I am satisfied.

Pasunoori Prashanth

Warangal

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive.

Nagelli Rahul

Warangal

Quick policy issuance

Buying a car policy through the platform was straightforward and quick. It aligns well with what I needed from an insurance policy.

Ananthula Umamaheshwar

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance was convenient. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. Overall, it was a seamless Reliance Insurance (now IndusInd Insurance) experience and I am satisfied.

Sujatha Chittem

Warangal

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. The process felt reliable and I would recommend it to others.

Nimmala Saideepak

Warangal

Value for money

I recently purchased my Car insurance and found the experience to be fine.

M Sainivas

Wanaparthy

Quick policy issuance

The car insurance process was efficient and well-supported. I felt like I was making a smart, informed choice.

Nagireddi Madhukishor

Vizianagaram

Quick policy issuance

I had a positive overall Reliance (now IndusInd) experience while applying for Car insurance. The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time. Overall, it was a seamless experience and I am satisfied.

Dadi Venkatagiri Babu

Vizianagaram

Quick policy issuance

I had a positive overall Reliance Insurance (now IndusInd Insurance) experience while applying for Car insurance. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

Shashidhar Guntha

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage.

Vani Kota

Vizianagaram

Quick policy issuance

The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

Lonka Gopal Reddy

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Devarasetti Uma Manoj

Visakhapatnam

4.5

Seamless digital experience

I found the insurance experience to be well-paced and user-friendly. The policy I selected felt comprehensive and relevant.

Nethala Suri Babu

Visakhapatnam

Quick policy issuance

Buying a car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Chowdary Appala Naidu

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Pentakota Satya Eswara Sanyasir

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for car insurance. It met my requirements well and felt tailored to my needs.

Ravi Shankarnandikolla

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Badda Appalanaras Amma

Visakhapatnam

Quick policy issuance

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

A Lakshmana Murty

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Homepage alternate CX

Relevant Links for Car Insurance

Pay As You Drive Insurance

Third Party Insurance

Comprehensive Car Insurance

Own Damage Car Insurance

Long Term Car Insurance

Car Insurance

Car Insurance for Top Car Brands

Tata Car Insurance

Maruti Car Insurance

Hyundai Car Insurance

Car Insurance - Disclaimer

AI Content Summarizer

Asset Publisher

Frequently Asked Questions (FAQs)

What is the minimum car insurance price?

The minimum price is usually for third-party insurance, as its premium is regulated. It varies based on engine capacity and offers limited coverage. However, for own-damage and comprehensive car insurance, the car insurance price depends on several factors. Our car insurance starts as low as ₹238/month*, making complete protection affordable.

Which is better, 3rd party or a comprehensive plan?

Third-party insurance is the most basic and legally required cover in India. It protects you only if your car causes injury to another person or damages their property. It does not cover damage to your own car, which means you will have to pay for repairs yourself.Comprehensive insurance, on the other hand, offers much wider protection. It covers both third-party liabilities and damage to your own car due to accidents, theft, fire or natural disasters. This makes it a more practical choice, especially in a growing city like Mohali, where traffic movement and daily commuting risks are higher.

I don't drive my car often, should I still buy insurance?

Yes, car insurance is mandatory even if you rarely drive. You can consider a Pay As You Drive plan, which helps reduce premiums by charging based on actual usage.

How much is 1 year of car insurance?

A 1-year car insurance premium can start from around ₹238/month*, but the yearly cost depends on your car type, age, location and coverage selected. Comprehensive plans cost more than basic third-party policies but offer wider protection.

How to select car insurance?

Choose a plan based on how and where you drive, especially in Mohali, where intercity travel is common. A good policy balances coverage, affordability and ease of claims. Here are some tips to help you select the plan you need:Prefer comprehensive coverage for better protectionCheck nearby cashless garagesChoose useful add-ons like engine protectionCompare claim settlement and service quality

Which insurance is better for new drivers?

New drivers, whether driving a brand-new car or an existing one, have to have third-party car insurance. However, since you’ve just learnt to drive on busy city roads like those in Mohali, comprehensive car insurance is an ideal choice.

Is it compulsory to buy car insurance for a second-hand car?

Yes, it is mandatory to have at least third-party insurance for a second-hand car before driving it on Indian roads. You can upgrade to a comprehensive plan for better protection against damage and theft.