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Vehicle Insurance Claims

Get guidance through the vehicle insurance claim process, from reporting the incident and arranging documents to understanding survey, assessment and settlement procedures.

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Vehicle Insurance Claims

Get the right guidance when filing a vehicle claim

A vehicle insurance claim is a formal request made to the insurer for financial assistance against a covered loss or damage under the applicable policy.

A timely and properly documented claim can make the process easier to manage. The exact procedure, documents, assessment and settlement depend on the insurer, policy terms and nature of the incident.

Claim Assistance

Key Areas of Vehicle Insurance Claims

Claim Intimation

Assistance in understanding the importance of promptly informing the insurer after a covered incident.

Documentation

Guidance on the documents and information that may be required for claim processing.

Vehicle Assessment

Understand the general inspection, survey and assessment stages that may apply to a claim.

Claim Settlement

Get guidance on understanding the applicable settlement process and policy conditions.

Claim Types

Common Vehicle Insurance Claim Situations

Accident Damage Claim A claim may be raised for eligible accidental damage to the insured vehicle under applicable own-damage coverage.
Theft Claim In case of vehicle theft, the insurer may require specific documents, reporting records and verification before processing the claim.
Fire Damage Claim Eligible vehicle damage resulting from a covered fire-related event may be claimed according to policy conditions.
Natural Calamity Claim Damage caused by covered natural events such as floods or storms may be claimable according to policy terms.
Third Party Liability Claim Third-party claims may involve injury, death or property damage liabilities, subject to applicable policy and law.
Repair Related Claim Covered vehicle repairs may be processed according to the insurer's assessment and applicable policy terms.
Claim Process

Steps to Raise a Vehicle Insurance Claim

01
Report the Incident Inform the insurer as soon as reasonably possible after the incident and follow the applicable reporting procedure.
02
Record the Details Keep relevant information about the incident, vehicle damage, location and other required details ready.
03
Submit Documents Provide the required policy, vehicle, identity and incident-related documents as requested.
04
Vehicle Inspection Where applicable, the insurer or appointed surveyor may inspect and assess the vehicle damage.
05
Claim Assessment The claim is evaluated according to the policy coverage, documents, assessment and applicable conditions.
06
Settlement or Repair Depending on the claim type and policy, the applicable settlement or repair process is completed.

Important: Always report an incident promptly and follow the insurer's claim instructions. Do not carry out major repairs or dispose of damaged parts before the required inspection or approval, unless necessary for safety or as otherwise instructed by the insurer.

Benefits

Why Take Proper Claim Assistance?

Better Documentation Helps you understand and organize the information generally required during claim processing.
Timely Action Helps you understand the importance of promptly reporting the insured incident.
Process Clarity Understand the general stages involved in inspection, assessment and settlement.
Expert Guidance Get assistance in understanding policy-related claim questions and documentation.
Our Assistance

How We Help You

Claim Intimation Guidance

Understand the general steps for reporting an accident or other insured incident.

Document Guidance

Get help understanding the documents that may be required for different claim types.

Assessment Guidance

Understand the general vehicle inspection and assessment process.

Claim Support

Get assistance in understanding claim communication and applicable policy terms.

Documents Required

Vehicle insurance policy document

Vehicle Registration Certificate (RC)

Vehicle owner's identity proof

Driving licence, where applicable

Accident or incident details

Other documents requested by insurer

Claim Process

01
Intimate the Insurer Report the incident promptly through the insurer's applicable channel.
02
Submit Claim Details Provide the required incident and vehicle information.
03
Inspection & Assessment Allow the applicable survey or vehicle assessment process to be completed.
04
Settlement The claim is processed and settled according to policy coverage and applicable conditions.

Important Note

Claim approval and settlement are subject to the applicable insurance policy, coverage, exclusions, deductibles, documents, assessment and insurer requirements. Submitting a claim does not guarantee approval or a particular settlement amount.

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