Break-in-insurance occurs when you do not renew your motor vehicle insurance on time leading to its lapsing. According to the rules and regulations in India, you must have your vehicle insured with at least third-party vehicle insurance. So in case of a break-in, the insured should contact the insurer to renew the policy.  Make sure the renewal process is carried out within 90 days of break-in to avail of the no-claim bonus accumulated in the previous policy.