How to claim Insurance for bike theft?

My newly purchased bike (worth ₹3.5 lakh) was stolen when an unknown individual snatched the keys and fled with the bike. I immediately lodged an FIR, and the police registered a theft case under BNS Section 303. At the same time, I informed the insurance company and filed my claim within the prescribed period. During the investigation, it was discovered that the motorcycle abandoned by the thief was also stolen. In both previous theft incidents, the thief had taken the keys from the owners on the pretext of a “test drive” and escaped. The surveyor is suggesting that I may have voluntarily handed over the keys, which is incorrect. The surveyor has also questioned whether the incident amounts to robbery instead of theft, since force was allegedly used. I seek legal guidance on protecting my insurance claim, responding to the surveyor’s assumptions, and understanding my legal remedies if the claim is unfairly rejected or delayed.