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  • Car Insurance Claim

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    If you have purchased a new car or any used car, ensure that you insure the car with right kind of insurance that fulfils all the requirements of the car. Purchasing insurance before you move out of the showroom, is mandatory under the law. The traffic conditions today are such that, your vehicle may get damaged even if it is not your fault. In such times a proper car insurance like a comprehensive car insurance is your savior.

    No matter what the damage is, a comprehensive car insurance covers a wide range of situation like, accident, third-party liability, theft, robbery, vehicle damage, natural calamities, man-made calamities, etc. Nowadays, the dealer generally provides you the bumper to bumper policy also known as zero depreciation cover, which will help you in future claims as the depreciation value of the car will not be considered under zero depreciation cover.

    If you are claiming for one and it is for a small amount, please refrain from doing so as this will seize the no-claim bonus. Claim only for big damages or for repairs which are expensive like, any part replacement, engine problem, dent removal and painting, etc.

    Here are the steps and procedures to follow for car insurance claim:

    Own damage claim:

    • Intimate the insurer immediately about the damage before sending the vehicle to the garage for repair. You can also repair your car from the insurer’s network of garages, wherein you can avail cashless claim facility. The insurer will directly contact the garage for the repair expense and pay for the damage repair directly.
    • Even if the car is drivable, do not drive it to the garage. It is better to tow your vehicle from any professional services, or you can get roadside assistance from the insurer. A part of the towing expense is covered in your policy.
    • Submit a duly filled form claim mentioning every minute detail about the incident and the damage.
    • If you are getting it repaired through the insurer’s network of garages, then a survey inspector will be sent to the location to assess the damages and the cost of repair, post which the repair work begin.
    • The quote will then be sent to the insurance company for approval along with the survey inspection report. On completion of the repair the amount will be released and paid directly to the garage personnel.
    • If you have not availed cashless facility, then collect the surveyor’s report and arrange for repair work. Once the garage provides you all the bills, make sure it is signed by the garage personnel and submit it to the insurer. On verification, the insurer will reimburse the amount.
    • Make sure you submit them before you drive your vehicle from the garage, else there will be more inspections and verifications about the repair. So sooner the better.

    Third-party claims:

    • If a third-party person or property has been damaged or injured by your car while you were driving, immediately inform the insurance provider and mention the incident in detail. Lodge an FIR at the nearest police station. Obtain a copy of the FIR.
    • Arrange for the medical attention if needed. The insurer can help you with that as well.
    • Submit a claim form attaching the police report and FIR copy with other necessary documents like RC, DL, and personal IDs etc. Do not make out-of-court settlements or deal yourself without intimating the insurer.
    • The insurance company will also investigate the report and if the documents and evidence are satisfactory, the insurer will assign a lawyer to you.
    • Once the honorable court directs you to pay for the third-party damages, the insurer will pay the compensation amount directly to the third-party.
    • In case of death, the family of the victim are liable to get death benefit on your policy.

    Theft claims:

    • File an FIR at the police station stating the incident and obtain a copy.
    • Inform the insurer and the RTO about the same and submit the FIR copy and the RTO transfer certificate along with the claim application with vehicle details and your car insurance policy number.
    • If the police is unable to find your car after a certain period usually 6 months, the police will provide ‘No-Trace Report’. Submit this report to the insurer.
    • Once the documents are all in place the insurer will release the claim amount.

    Maintain a good driving record, avoid collisions in traffic, maintain safe distance and follow other essential traffic rules which will help you avoid accidents so there will be no need to claim the insurance policy. For more details you can visit any trusted third-party website or contact the insurance company for further queries. Be aware of the formalities and procedure for claims. The customer care helpline is available 24*7 so you can contact them anytime.

    Car Insurance Claim Reviews

    • Iffco Tokio Car Insurance
      "Excellent about the services"
      0.5 5.0/5 "Blown Away!"
      They have provided excellent road side services. They have given me a very good claim experience. Within a day they have approved my claim. I have got a coverage upto 99% and i have paid only for document charges. Its covered with bumper to bumper with zero depreciation policy. Iffco Tokio is the only provided the bumper to bumper to the 5+ aged cars.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 20, 2018
    • HDFC Ergo Car Insurance
      "Need to experience the policy"
      0.5 3.0/5 "Satisfactory"
      I have bought the car insurance policy with HDFC Ergo 3 months before for my wagon R car. I have got a call from the customer care service and explained me about the policy details. Its bumper to bumper covered policy and i can claim two times in a year. My dealer has provided me a car insurance with HDFC Ergo. My dealer has made the payment for my policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2018
    • HDFC Ergo Car Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using the car insurance policy with HDFC ERGO GENERAL INSURANCE and i paid the premium 6200k which is nominal when compared to the others. They provide the policy coverage of basic and purchased this policy through online and had no claim experience with this policy.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Sep 19, 2018
    • Royal Sundaram Car Insurance
      "Nice policy"
      0.5 4.5/5 "Excellent!"
      The coverage amount is better in Royal Sundaram. I have bought thee policy in the year of 2017. I have made the premium amount of Rs. 12000 approximately. I have not remember about the IDV value and they have not offered any extra benefits. I have not faced any claim experience as of now.
      Was this review helpful? 1
      , dapoli
      Reviewed on Sep 18, 2018
    • review Car Insurance
      "Satisfied policy"
      0.5 3.0/5 "Satisfactory"
      I took the policy from TVS company and they have given some offer for the car insurance hence i have not got any addition benefits. They have charged additional amount for the garages which is nominal one. They will charge for the vehicle parts. I have bought this policy 3 years ago. I made a premium amount of Rs. 8000. So far i have no claim experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • National Insurance Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      My National insurance policy was taken 3 years before for my Maruti car. They provided me a IDV value as per market value. I pay the premium of Rs. 8000. They have offered me a extra features of road side assistance and towing facility. I had no claim experience with National insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 18, 2018
    • Tata AIG Car Insurance
      "Claim experience is easy"
      0.5 5.0/5 "Blown Away!"
      I have taken my TATA AIG car insurance policy 2 years back. I have paid a premium amount of 10 K. I have got my claim amount within 3 days since its cashless once. I have got a claim amount of Rs. 40 K and it was 100% claim. It was settled my the service centre. The documentation process was user friendly and easy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I didn't taken any claim from the Royal Sundaram company hence i have not interacted with their call centre people. I had taken my car insurance policy on February. I have made a premium amount of Rs. 4500. I'm not sure about the features. They have offered me IDV value as per market rate. If i have a claim i could say more about it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 18, 2018
    • review Car Insurance
      "Very good service in Kotak"
      0.5 3.5/5 "Pretty good"
      I was not made any claim with Kotak company. I have taken the kotak insurance policy 1 year back. I could not remember about the premium amount and they have offered me a IDV value of Rs. 3 lakhs. I have got a benefits of bumper to bumper, cashless garages. So far i never faced any problems with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • Bharti Axa Car Insurance
      "So far so good"
      0.5 3.5/5 "Pretty good"
      I have not raised any claim so far. I have purchased the policy continuously for 8 years. I have made a premium of Rs. 31000 per year. The reason behind chosen this company is regular follow up and very good customer care service. I have received a satisfactory IDV value.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • HDFC Ergo Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      The difference of the premium amount is high in HDFC Ergo. I have got a very good discount and offer from them. I have got a nice services from them. When i bought the car, the dealer have provided the car insurance policy with HDFC Ergo. I paid a premium amount of Rs. 90 K for my car. I'm satisfied with the features and benefits of the policy. They have not guided about the no claim bonus.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 18, 2018
    • Iffco Tokio Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have purchased the policy in the month of January. I have paid a premium amount of Rs. 14000 approximately. I had a very good claim experience with them. I got the claim within 2 days since its a minor problems. It is covered with bumper to bumper facility. They have offered me a IDV value of Rs. 2.50 lakhs. Overall, I'm satisfied with the policy.
      Was this review helpful? 0
      , mahbubnagar-andhra
      Reviewed on Sep 18, 2018
    • Bajaj Allianz Car Insurance
      "Hassle free"
      0.5 4.0/5 "Great!"
      My dealer has provided me the car insurance policy with Bajaj Allianz when i purchase the vehicle. They have offered me a bumper to bumper for the first year. Anyway their premiums are very high. Since it was done through dealer, i didn't interact with the customer care service. They did not made me to wait for a claim for a long time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2018
    • review Car Insurance
      "Hassle free services"
      0.5 5.0/5 "Blown Away!"
      In ICICI Lombard, the premium amount quoted was high hence i moved to other company. Last 3 years i have purchased the policy with ICICI Lombard. They have offered me a IDV value of Rs. 1.85 lakhs. I had no claim experience with this company. They have option for online renewal and they will give some discount also for it. For break down, the cashless garage will be available and the roadside assistance will be there.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2018
    • review Car Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      I have purchased the car insurance policy with Oriental Insurance and used for 1 year but the premium is higher when compared to the others so i have discontinued with this policy. I have not experienced with claim but they have provided the coverage of basic. I have purchased this through online.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • Bajaj Allianz Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have previously used the car insurance policy with Bajaj Allianz General Insurance for 1 year and purchased it through online because of the brand value. they have offered the policy coverage of basic and the premium is nominal added don that i had no claim experience with this policy.
      Was this review helpful? 0
      , guntur
      Reviewed on Sep 18, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason behind taking the policy with TATA AIG GENERAL INSURANCE because of lower premium and the premium i paid 14k. Customer service is satisfactory added on that they offered the zero depreciation coverage and i have no claim experience.
      Was this review helpful? 0
      , guntur
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for taking the insurance policy with ROYAL SUNDARAM GENERAL INSURANCE. Premium i paid approximately 5k but i had no claim but the customer service is good and satisfactory to me. I have submitted the documents through online.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2018
    • Tata AIG Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      The premium is more compared with other companies hence i have moved to other companies. I have used the policy for continuously 3 years. I have got a features of road side assistance and no claim bonus. I have already claimed in this policy and it was easy claim got the claim settlement within 15 days. They have offered 90% claim settlement.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have bought this car insurance in the month of February. I made a premium amount of Rs. 7000 approximately. The reason behind this policy is they are providing third party coverage with the lowest amount. They have offered me a 50% no claim bonus. I have got a satisfied IDV value.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Sep 18, 2018
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