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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

    • Chola Ms Car Insurance
      "Good experience"
      0.5 4.0/5 "Great!"
      I did not continue with Cholamandalam General insurance for the car policy this year because the premium is costly. I had a claim experience and the process is smooth and easy. I did not have to spend any money from my end, the whole coverage was done by the insurance. There was a cashless garage facility too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 11, 2018
    • Chola Ms Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance from Cholamandalam General insurance and the process was good overall. The customer support and response is good and there are no hassles in the process. I also had a claim experience and it was smooth. I faced no issues. There were cashless garages.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 11, 2018
    • Bharti Axa Car Insurance
      "Good experience"
      0.5 4.0/5 "Great!"
      I previously had my car insurance policy with Bharti Axa. I also had a claim experience twice and the process was smooth. I only had to pay the processing charges and the rest was taken care by the insurer. They had a cashless garage facility too. The only reason I did not renew the policy with them this year is because they have a limitation for a claim. I can claim only twice and when I went for the third time, I could not proceed.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 11, 2018
    • HDFC Ergo Car Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      HDFC Ergo has a good policy coverage value for the car insurance but the premium is on the higher side. The main reason I chose them is because they do not have a limitation for a claim. I can claim how many ever times. I am yet to use the policy to know how exactly it works. They also have a road side assistance and a wider network of garages.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 11, 2018
    • Royal Sundaram Car Insurance
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      Previously I had my car insurance with Royal Sundaram. I also had a claim experience with them and their approach was good too. There was a cashless garage facility and the services was good overall. They could be better in the road side assistance and the towing van features too.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 11, 2018
    • HDFC Ergo Car Insurance
      "Claim Experience is good"
      0.5 5.0/5 "Blown Away!"
      I had a claim experience with HDFC ERGO for the car insurance policy. They treated me well and they passed the claim immediately without any FIR. They done it with the existing paper work. The customer support and response is good and the policy coverage is fine too and the premium is normal.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 09, 2018
    • Future Generali Car Insurance
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      Future Generali was also good in the services. I had my car insurance with them earlier and I also had a claim process. They were very quick and there were no hassles at all. This time I have not renewed the policy this year is because the policy coverage value was less.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 08, 2018
    • HDFC Ergo Car Insurance
      "Easy to approach"
      0.5 4.0/5 "Great!"
      There was no claim, as of now everything is okay. I just took policy for RTO purpose, they gave me good coverage value for my vehicle. I took third party plan which its includes personal accidental cover. HDFC Ergo is easy to approachable always.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Oct 31, 2018
    • Reliance General Car Insurance
      "Looking for better offer"
      0.5 5.0/5 "Blown Away!"
      I found Reliance car policy is costly than other insurance company, In last year they have allocated good insured value for my vehicle but I have not used it hence they gave me no claim bonus during renewal of other insurance policy, it would be great if they reduce the amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 31, 2018
    • Bankbazaarinsurance.com Car Insurance
      "Easy to use"
      0.5 4.0/5 "Great!"
      The interface is good and its user friendly to use, but I had some issue when I took the insurance, I am not sure about the previous no claim percentage, hence I selected wrong bonus percentage, process became difficult. I suggest them to give more details information about the policy then it would be easy.
      Was this review helpful? 0
      ,
      Reviewed on Oct 31, 2018
    • New India Car Insurance
      "Yet to experience the policy"
      0.5 5.0/5 "Blown Away!"
      They have approached me for the renewal and the plans are good hence i have chosen the policy with New India. I have paid a premium amount of Rs. 12000 nearly. I have got a coverage amount of Rs. 3.75 lakhs and I'm glad about it. I will be getting a no claim bonus of 15% to 20% and road side assistance. This is a comprehensive insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 31, 2018
    • review Car Insurance
      "Need lots of improvements"
      0.5 1.0/5 "Really Bad"
      ICICI lombard premium was higher compared to Iffco Tokiyo, they are not providing bumper to bumper coverage for the vehicle, I suggest them to improve their benefits and also I faced many issue on claim process, they rejected most of time keep saying it wont cover all the parts of the vehicle.
      Was this review helpful? 0
      , bokaro
      Reviewed on Oct 31, 2018
    • review Car Insurance
      "Satisfactory policy"
      0.5 4.0/5 "Great!"
      I don't have any claim with them. Its totally hassle free policy. I do not have any experience cashless garages facility. Simply i just want to change company hence i moved to different company. I don't have any idea about the coverage amount. This is s a comprehensive policy hence its covers for the car, driver and passengers.
      Was this review helpful? 0
      , palakkad
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Satisfactory policy"
      0.5 5.0/5 "Blown Away!"
      I have just made a claim still now the vehicle is not delivered. There is no reason for choosing the HDFC Ergo company for my car. I don't remember amount what i paid. The garage facility has to be improved and its available after 50 kms of my locality. Since its a major accident, it took 2 months to get the settlement. Since the car is more than 5 years, i have to pay 30% of the claim from my pocket.
      Was this review helpful? 0
      , palakkad
      Reviewed on Oct 31, 2018
    • Liberty Car Insurance
      "Better customer service"
      0.5 2.0/5 "Expected more"
      Liberty General does not have tie up with many service centers, I think they have less tie up. Once I claimed with them, I met with small accident because of that one side car window broken, then I contacted that insurer they taken long time and also I keep insisting them to increase the claim ratio, finally they settled 70 to 80% from policy cover.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 31, 2018
    • Bankbazaarinsurance.com Car Insurance
      "Its Fine"
      0.5 4.0/5 "Great!"
      I am fine with Bank Bazaar service, when I approached the portal while I was purchasing car policy they helped me out they are supportive. Even I approached for claim process, they gave me the good response, I don't have any issues with them.
      Was this review helpful? 0
      ,
      Reviewed on Oct 31, 2018
    • Iffco Tokio Car Insurance
      "Claim Process should be faster "
      0.5 4.0/5 "Great!"
      Recently I done claim with Iffco Tokio, my car met with an accident, they taken couple of days to repair it. I have spent the amount around Rs. 53,500 but when I applied for the reimbursement, they provided only Rs. 40,000. I am not completely satisfied with them.
      Was this review helpful? 0
      , dwarka
      Reviewed on Oct 31, 2018
    • Bharti Axa Car Insurance
      "Good policy with higher premium"
      0.5 4.0/5 "Great!"
      I have purchased a car insurance policy with Bharti AXA for the first year. Because of the higher premium i have moved to other company. I had gone for a claim and the experience was fine. Within 20 days, i have got my claim settlement. I have no idea about the garages. I have paid the money and done the re-imbursement. They have given only 90% of the claim.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 30, 2018
    • Liberty Car Insurance
      "Its Fine"
      0.5 5.0/5 "Blown Away!"
      When I took car policy at the time it was Liberty Videocon, the brand value was good. Now I heard something about that company and it changed as Liberty General. That is the reason I didn't go for renewal, I never had a claim experience, however its good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 30, 2018
    • Iffco Tokio Car Insurance
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      This particular policy was taken offline. Whatever the claim i have got it, it was not as promised one. One of my friend recommended about the policy with Iffco Tokio. Actually the claim was not cashless, i have to pay the money and i will get a re-imbursement through cheque. They have offered me only 60% of the claim. The documentation process was good. They have to improve the cashless facility and there should not be any hidden charges.
      Was this review helpful? 0
      , latur
      Reviewed on Oct 30, 2018
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