Insurance is like a spare tyre. You may not require it, but not having one is not an option.

A Comprehensive Guide to Car Insurance Claims

 4.5 / 5.0   by 2245 users
Used this product? Write a review >>

Policy Coverage

Customer Service

Claim Experience

Responsiveness

Cashless Garages

The purchase of a new car, although quite exciting to the new car-owner, brings with it a set of added expenses. The operating costs and maintenance charges are an inherent part of these expenses. But to protect yourself in the case of an unforeseen incident, like an accident that causes considerable damage to your vehicle, it is best to be covered by an effective insurance policy.

Purchasing a comprehensive car insurance policy is beneficial in multiple ways.

Claims for Damage to Your Own Car

If you have been involved in an accident that has damaged your car, you need to follow these steps to claim insurance,

  • Notify the insurer

    In order to ease the process of insurance approval, the insurance company should be intimated about the accident at the earliest possible time. Most insurers follow strict timelines, and these rules are mentioned in the insurance policy documentation.

  • Get the car towed to the garage

    After an accident, you should never drive the car to the garage. Driving may lead to additional damages that the insurance may not cover. In such a scenario, you should take the assistance of Roadside Assistance (if included in your insurance cover) or engage professional towing services.

  • Go to a Network Garage

    Network Garages are usually listed on the insurer’s website. It is beneficial to take your car to one, as it enables the insurer to settle the expenses for repair of your car directly with the garage. Hence, you need not be involved in the end-to-end reconciliation process.

  • Schedule an inspection

    All repairs on your damaged car should be done only after a surveyor from the insurance company has performed a detailed inspection of the vehicle. Usually, insurance companies schedule surveys within 2 days of the claim notification.

  • Car repair

    After the survey of your car and your insurance claim, the insurer sends an approval for the evaluated repair costs. Once the garage receives the approval, they can start work on the repairs.

  • Miscellaneous costs borne by you

    Some repair charges like compulsory deductibles and costs associated with consumables will be paid by you. Once these formalities are completed, you are good to go.

Claims for Third-Party Liabilities

This is relevant in a situation where you/your car were the cause of damage to someone else’s vehicle or property. This is also applicable when a person has suffered an injury during the accident.

So, when a third-party claims for damages on your insurance policy, you need to follow these steps,

  • An FIR should be registered at the local police station by you or the third-party.
  • For a third-party claim on your car insurance policy, you need to share a copy of the policy with them.
  • As per the 1988 Motor Vehicle Act, the Motor Accident Claims Tribunal (MACT) is responsible for settling all third-party liability claims. This is where the third-party should file for the claim. However, considering the time taken to settle such claims, it is advisable to do so outside the tribunal.

Claims for a Car Stolen from You

If your car is stolen, you need to follow the procedures below,

  • File an FIR at the local police station.
  • Inform your insurer about the same and raise a claim for it. Documents to be submitted with the claim include,
    • A copy of your car’s RC
    • Copy of the FIR
    • Copy of your driving license
    • The first two pages of your car insurance policy document
    • A letter addressed to the RTO
  • Once the police issues a non-traceable report, you need to transfer the RC of the lost car to the name of your insurer, with a subrogation letter.
  • After completion of all formalities, the claim will be settled.

In summary, it is important to read your policy document carefully and keep a copy of the same in your car at all times. When you make a car insurance claim, you will be giving up your No Claim Bonus (NCB); so it is imperative to weigh out your options before doing so.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Car Insurance Reviews

Page 1 of 50 1 2 3 4 5
  • Tata AIG Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    It has been a good insurance policy and the premium has been paying annually. The premium amount has been nominal and the payment method has been easy. I had not yet made any claims so far and there has been cashless garages available as well....
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 14, 2018
  • Universal Sompo Car Insurance
    " Good protection for four wheeler"
    0.5 4.0/5 "Great!"
    All policies with Unviersal sompo, whenever I call they respond well on the toll free helpline. The policy covers fully my car compared to other insurer, the beginning it was zero depreciation plan, they gave me the insured declared value.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 14, 2018
  • L and T Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    The dealer gave me L & T general insurance policy for my car the premium amount is nominal for the tenure of one year, I have old Tokyo Innova, hence I took comprehensive and third party cover, they do have road side assistance and 24 hours services on time.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • ICICI Lombard Car Insurance
    "Good protection for four wheeler"
    0.5 5.0/5 "Blown Away!"
    From ICICI lombard I have taken car insurance for Hyundai I20, first time when I paid the around Rs. 25,000 when it was new car, now recently I paid is around Rs. 17,000 now its been 2.5 years old. The plan is called zero depreciation, with road side assistance, 24 hours services.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • Bajaj Allianz Car Insurance
    "Low premium with better benefits"
    0.5 5.0/5 "Blown Away!"
    One more policy taken for my another car its Maruthi dezire I paid the premium around Rs. 4000 its a old car, around 6 to 7 years, I have comprehensive plan its not zero depreciation plan. The customer service is good the premium is low and the max cover is nice.
    Was this review helpful? 1
    , new delhi
    Reviewed on Dec 13, 2018
  • Bajaj Allianz Car Insurance
    "Low premium with better benefits"
    0.5 5.0/5 "Blown Away!"
    My both the polices are insured with Bajaj Allianz, I have taken one policy for my Maruthi Ciaz car, I paid the premium was around Rs. 8000, I have taken the comprehensive it covers for the loss, damage, other natural disaster, hence I am fine with them.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 13, 2018
  • Tata AIG Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with TATA AIG general insurance from last 10 months, a premium of Rs 16000 has to be paid for this insurance policy. There was no claim experience so far with this insurance and this policy has full coverage with 0% depreciation.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 11, 2018
  • Tata AIG Car Insurance
    "Complete protection with Tata Aig"
    0.5 5.0/5 "Blown Away!"
    I approached Tata Aig through their agent, he have taken initiative to generate the policy on time, I have received the policy document on time, the premium amt around Rs. 11k for one year, I have road side assistance with engine protection, tier cover with best insured value.
    Was this review helpful? 0
    , keonjhar
    Reviewed on Dec 10, 2018
  • Royal Sundaram Car Insurance
    "Good Product"
    0.5 4.0/5 "Great!"
    For my Maruthi car I took Royal sundaram general insurance through dealer I have approached the premium is reasonable, I don't think its a comprehensive plan. Once I had claim I met with the accident, there was a car damage, they gave 70% of claim, remaining I paid from my end.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 07, 2018
  • Reliance General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    RELIANCE GENERAL INSURANCE is the insurer where i have taken my car insurance and the premium i paid which is nominal added on that the IDV value is also sufficient with this policy. The policy coverage is for bumper to bumper for this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 07, 2018
  • SBI General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim of 44k with the SBI GENERAL INSURANCE where i have taken the card insurance and the claim is of reimbursement and i got within the one day. The premium is nominal and the IDV is nominal. The coverage is for bumper to bumper. The process is good with this policy.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 07, 2018
  • ICICI Lombard Car Insurance
    "Good Protection for four wheeler"
    0.5 4.0/5 "Great!"
    The car policy with ICICI lombard is good and they are economical on the cost wise, I took policy for one year I took 100% its zero depreciation. They gave me best insured value based on the age of vehicle, they have ncb features and they many service centers too.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 05, 2018
  • Bajaj Allianz Car Insurance
    "Good claim process with fast service"
    0.5 4.0/5 "Great!"
    The premium amt is good in Bajaj Allianz and economical too, I paid Rs. 25k for one year. I have Hyundai I ton card its 3 years old, they gave me best insured declared amount, I got the papers on time, my claim exp is good, car got damaged and replaced and gave it on time, even they have lined with many service centers.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 05, 2018
  • ICICI Lombard Car Insurance
    "Quick policy"
    0.5 5.0/5 "Blown Away!"
    I have been renewing the policy for 4 years with ICICI Lombard. The policy was given by dealer when i purchase the policy and i'm continuing the policy without any reason. The claim experience was fine. I have got the coverage amount of Rs. 9 lakhs and i have got the claim amount of RS. 40000. This policy covered with bumper to bumper facility. I have got the claim within 5 days.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 05, 2018
  • Universal Sompo Car Insurance
    "Good Car Insurance policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken 2 years ago with Universal Sompo. I have been renewing the policy with the same company. I have paid the premium amount of Rs. 4000. This policy has been covered for 100%. They have given me a car value of Rs. 1.90 lakhs.They have offered me a facilities of road side assistance and bumper to bumper. I have no claim experience so far.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 03, 2018
  • Bajaj Allianz Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    Cost of the car policy is good in Bajaj Allianz. I have Maruthi card they best insured value based on the age. I don't have any claim experience. The insurance company gave me Rs. 2.5 lakhs for one year, third party cover and personal accidental cover is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 03, 2018
  • New India Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    In 10 years of experience I didn't face any claim. I have wagon R, the premium cost was economical, I paid around Rs. 5000 for one year, they gave me the comprehensive 100% protection plan, they got tie up with the dealer and they do have ncb features.
    Was this review helpful? 2
    , mumbai
    Reviewed on Dec 03, 2018
  • United India Car Insurance
    "Good car insurance policy"
    0.5 5.0/5 "Blown Away!"
    Since its a new car, they have given me a a zero depreciation policy. The dealer has recommended me about this car insurance policy when i purchase my car. I have paid the premium amount of Rs. 28000. They have not given me a road side assistance facility but bumper to bumper facility is available. More garages are available in my location.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 03, 2018
  • ICICI Lombard Car Insurance
    "Better"
    0.5 4.5/5 "Excellent!"
    My car insurance was taken with ICICI Lombard and it was offered by the showroom. They are giving zero depreciation and don't know about the other offers. The premium is included in the car price. The customer service is good. They have sent the insurance papers on time.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • review Car Insurance
    "Value of money"
    0.5 4.0/5 "Great!"
    4 years back, i have bought my car insurance policy with Bharti Axa. Somebody suggested me about this car insurance policy. The premium amount is less comparatively less when i compared with other companies. I'm happy about the coverage value they have provided to me. I have not claimed anything in this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
Common Loader Icon
Page 1 of 50 1 2 3 4 5

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.