It was insured by TPL. The first two times there were very supportive and replaced it right away on the basis of "kachi report". Third time they caused a bit of trouble but the forth time we had to lodge a full fledge FIR. The Darakshan police station was not ready to lodge it.... After a long fight and two weeks of driving without AC, they finally replaced it.
Last time it was stolen from outside mubarak masjid.
Once in Shahbaz commercial.
Once outside TGIF. It was given to vallet.
Once outside my colleague house at badban. It was left outside for 15 minutes.
There was another time when only frame around panel was stolen which was replaced for 9k without claiming insurance.
We checked and premio' climate control costs 35-40k.
Crazy...