"Spending a whole day looking for insurance is fun," said nobody, EVER!

    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

    • New India Car Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My car insurance is with New India assurance. I am pretty happy with the overall services as they were fast on the approval when I had a claim experience. There were facilities of a cashless garage too. The process was easy and the policy coverage is also good.
      Was this review helpful? 0
      , bhayandar
      Reviewed on Jul 19, 2018
    • review Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      My car policy is with ICICI Lombard. The services are good and it is not hectic to have a claim with them. But they have not approved a 100% claim for me, only 80%. It was easy and there was no delay in the approval in the process. Nice experience overall.
      Was this review helpful? 0
      , chandrapur
      Reviewed on Jul 17, 2018
    • Iffco Tokio Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      Actually i had a car insurance for my car HONDA AMAZE where i have purchased my car the insurance is from IFFCO TOKIO GENERAL INSURANCE and the policy coverage is good and i had a claim too once which is cashless garage completely and i am satisfied.
      Was this review helpful? 0
      ,
      Reviewed on Jul 17, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have got my car insurance from the showroom from where i have got my car i have been using it since last 6 years i had no claim in my car insurance. Policy coverage is for normal there is no bumper to bumper. Premium is higher for my car insurance when compared to others.
      Was this review helpful? 0
      , narnaul
      Reviewed on Jul 15, 2018
    • Bajaj Allianz Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using my car insurance from the last few years i have purchased along with my car in showroom. I had a claim once that too very good the reason is that the bumper got damaged and it is a cashless garage. Policy coverage is good it is for zero dep.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Jul 14, 2018
    • Royal Sundaram Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have purchased my car insurance with the ROYAL SUNDARAM GENERAL INSURANCE through the on line where the method is very easy and simple to get the insurance. I have no idea whether the coverage is for Bumper to Bumper or not. I had no claim and the premium is satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2018
    • HDFC Ergo Car Insurance
      "Beneficial policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insurance with HDFC Ergo. The policy coverage is good and so is the benefits as well. There are benefits like a road side assistance and also there is a cashless garage facility. The premium is nominal and since there is no claim, I am not sure of the exact service.
      Was this review helpful? 0
      , bilaspur-himachal pradesh
      Reviewed on Jul 12, 2018
    • Bharti Axa Car Insurance
      "VERY GOOD"
      0.5 4.5/5 "Excellent!"
      I am having my car insurance with teh BHARTI AXA GENERAL INSURANCE where i had a no claim. The coverage is not for bumper to bumper because my car is old one. I have been using it since 2 years. I have been using it since 2 years it is very good and comfortable to access.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • Bajaj Allianz Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have purchased the car insurance from the BAJAJ and i have applied it from the on line which is very simple and also the very good. I am using it since 1 year. I had no claim and also the i am satisfied with the premium and also the IDV value is also satisfied.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 09, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using my car insurance with the BHARTI AXA GENERAL INSURANCE and i am satisfied with the service from the. Once i had a claim experience with the insurance and the process of claiming is very smooth and excellent. The service is good and excellent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • Bajaj Allianz Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have used this for my car insurance for last 2 years. Documentation i have done through the on line with very simple and easy process. I had no claim so far with my insurance. Premium is good and it is satisfactory. Policy coverage is good and best.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 06, 2018
    • Chola Ms Car Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have been using my CHOLAMANDALAM GENERAL INSURANCE from last few years. I am happy and satisfied with the insurance and also with the policy coverage and also with the plan benefit. I had a claim once with this insurance which is very good and excellent.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 04, 2018
    • Tata AIG Car Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I had a bad experience with the insurance. I had a claim experience but it is not good. Some damages in the side door i had a claim they have not helped with the claim. I am holding since 3 years i have got through the showroom. The premium is for B to B.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Jul 03, 2018
    • Tata AIG Car Insurance
      "Fraud Tata AIG rejects genuine claims"
      0.5 0.5/5 "Unacceptable"
      Pathetic experience during claim for my Skoda Rapid - they rejected the claim despite providing all the data, and the surveyor unofficially told that since the insurance was taken just 10 days back it wouldn't be possible. Regret moving from Bajaj.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 29, 2018
    • Bajaj Allianz Car Insurance
      "Satisfied with the features & process"
      0.5 4.0/5 "Great!"
      I have taken my car insurance with Bajaj Allianz. The customer service is good. There are no hassles in the process. They have provided a good policy coverage and there are benefits as well. I am glad that I do not have a claim experience. In all no issues.
      Was this review helpful? 0
      , delhi
      Reviewed on Jun 27, 2018
    • Bajaj Allianz Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      My car insurance is with Bajaj Allianz. The customer services are good. The process was fine for me. I am glad that there is no claim experience yet. The policy coverage is also good and there are features of cashless garages and the road side assistance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 26, 2018
    • review Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have got through the physically where i have got at my doorsteps. Documentation is simple and done through the physically. I had no claim. I have been holding since 2 years. Payment i do yearly once in the office. B to B coverage is there in my insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • Royal Sundaram Car Insurance
      "Car insurance with Royal sundaram"
      0.5 5.0/5 "Blown Away!"
      I am planning for a claim with Royal sundaram. I have checked with the workshop and they asked me to come after EID. So after that i have to claim for reimbursement. The total coverage might be for 15000. But if the reimbursement process takes less than 3 months then it will be much helpful.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • Reliance General Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken the car insurance from Reliance General Insurance. The premium was reasonable. I received the documents on time without any delay. At the time all the benefits has been informed. I have no claim experience for the policy.
      Was this review helpful? 0
      , hassan
      Reviewed on Jun 11, 2018
    • Iffco Tokio Car Insurance
      "Need to minimize the premium"
      0.5 4.0/5 "Great!"
      At the time of renewal of my car insurance the premium was very high with IFFCO TOKIO GENERAL INSURANCE. Even though i have taken the car insurance there was no claim experience. All the benefits are included in the policy. But if its at low premium it could have been better
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
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