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5 Easy Steps For Claim Process

Step 1

Claim Intimation & Estimation

Intimation of claim by the customer and repair estimate generation by the repairer.

Step 2

Loss Evaluation

Surveyor Appointment by Insurance Company and Vehicle Inspection followed by approval for repair by the surveyor.

Step 3

Customer Consent & Repairs

Communication of estimate and approval to the customer to obtain his/her consent. Commencement of Repairs based on surveyor’s approval and customer consent.

Step 4

Final Inspection & Delivery of repaired vehicle

Surveyor to verify repairs done and confirm for delivery of vehicle to customer on near cash-less basis. Workshop to charge the customer for its share of payment and deliver the repaired vehicle.

Step 5

Claim Settlement by Insurance Company

On the basis of the surveyor’s report, Insurance Company to settle the claim and make payment to the workshop/customer (if settlement is not done on cash-less basis).

Choose from our wide range of Addons

Zero Depreciation
The Zero Depreciation add-on ensures 100% coverage for part replacements or repairs without depreciation deductions. Customers should only pay a compulsory deductible —₹1000 for engines below 1500 cc and ₹2000 for engines above 1500 cc. It covers accidental damage to batteries and tyres.
Consumables
The Consumables add-on cover for car insurance safeguards against the cost of replacing essential consumable items like nuts, bolts, and lubricant. It ensures you’re not required to pay any extra amount for these often overlooked, yet vital, components during repairs, hence, enhancing your policy for a complete vehicle maintenance and peace of mind.
Key Protect Cover
The Key Protect cover provides security for your car keys. It covers the costs of replacement or repair in cases of loss, theft, or damage, including labour charges. With premiums starting at a nominal amount, it ensures peace of mind without affecting your No Claim Bonus, even if ownership is transferred.
Loss Of Personal Belongings
Protect your valuables on the go with the Loss of Personal Belongings Cover for private vehicles within five years of purchase. This add-on secures items like mobiles, laptops, and bags up to Rs. 50,000 against theft or forced entry, allowing two claims per year with a simple FIR for claims.
Road-Side Assistance Cover
Ensure peace of mind with Roadside Assistance Cover, offering swift aid for breakdowns due to mechanical or electrical issues. For a minimal fee, access towing, repair services, and more with just a call, ensuring you’re never stranded. A small investment for significant convenience and security on the road.
Tyre Protect Cover
The Tyre Protect Cover is an essential add-on for new private vehicle owners, safeguarding against tyre damage even when the vehicle is unharmed. Available exclusively for the first three years, it offers a one-time claim without affecting the No Claim Bonus, for a nominal premium.
Engine Protect Cover
The Engine Protect cover is a valuable add-on to safeguard against consequential losses not covered by conventional motor insurance. This includes engine seizure from driving through water or due to a damaged oil sump, and gearbox seizure resulting from accidental damage leading to oil leakage.
Return to Invoice
The Return to Invoice cover provides financial protection in theft or total loss scenarios, potentially covering the cost of a new car model, including insurance, road tax, and registration. The insurance company bears the difference between the vehicle’s insured value and the current purchase price of a new equivalent vehicle.
HEV Secure
The cover indemnifies Insured for the expenses incurred against repair or replacement due to consequential loss/damages to Hybrid Battery, its allied parts and all HEV components arising out of Unexpected power surge, Water ingression, Short Circuit, Spontaneous, unexplained, and uncontrolled exothermic electrochemical reactions resulting in explosion of and or visible flames and or smoke.