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Need to Claim for Damages? Don't Worry, Just Relax and we shall Guide You and Co-ordinate your Claim.
Please provide us the information about your Vehicle and we shall be glad to Co-ordinate the Entire Claim Process for You.

The Way Ahead

The claims process for an Accidental Claim is detailed below. The process is hassle free and we shall ensure that you have a Fair Settlement.


Send your vehicle along with the relevant documents to the Bodyshop from where you would like to have the vehicle repaired. In case the vehicle can not be driven please have the vehicle Towed, as Consequential Damage is not covered. Towing Charges upto Rs. 1500/- are covered under the package policy.


An estimate of repairs would be prepared at the Bodyshop and the Claim shall be intimated at the Tollfree Number of the Insurance Company. A Claim Number is generated at the time of Intimation. You could also intimate the Claim at the Tollfree Number yourself.


Survey of the car would be done by the Surveyor appointed by the Insurance Company and the repairs shall begin.


On completion of the repairs, the vehicle shall be re-inspected and a Delivery Order shall be sent to the Bodyshop for Direct Settlement (Cashless Settlement). In case, Direct Settlement of the Claim is not possible, we shall have a Re-imbursement done for the same.

The Most Important Thing

CONTACT US and we shall Co-ordinate the Claim for you. SMS CLAIM to 56677or Call on 9643 226 226 or Email at

Documents Required for Claim Settlement

  • Original Smart Card / Registration Certificate
  • Original Driving License of the person driving the vehicle at the time of accident
  • Insurance Policy
  • Copy of PAN Card
  • Completed and Signed Claim Form (Can Be Downloaded from this Website). Claim Forms are also available at the Bodyshops
  • Copy of Aadhaar Card in case of Individuals and any other Address Proof in case of companies
  • Original FIR / DDR (Required if there has been any Theft, Death, Injury, Property Damage of a Third Party or in case of a Malicious Damage Claim)

Note: Please send Self Attested Copies of all the above documents along with the Originals for Verification.

What You Are Covered For?

A Package Policy covers you for your 'Own Vehicle Damage' as well as for 'Third Party Damage'.

'Own Damage' section covers you for:

  • 1. Accidental External means
  • 2. Theft, Burglary or Housebreaking
  • 3. Fire, Explosion, Self'ignition, Lightening
  • 4. Terrorism, Riots, Strikes or Malicious Acts
  • 5. Transit by Road, Rail, Inland Waterway, Air, Lift
  • 6. Earthquake, Flood, Storm, Landslide or Rockslide

'Third Party' section covers you for:

Unlimited legal liability and liability for third party property damage upto Rs. 750,000/-

There are two optional coverages that can be incorporated as part of the package policy.

  • First being a personal accident cover for unnamed occupants. The number of occupants to be covered is determined by the seating capacity of the car. The maximum cover that can be given to each occupant is of Rs. 200,000/-
  • The second optional coverage is the legal liability of the paid driver (chauffeur). The coverage is provided under the 'workmen compensation act'

What You Are Not Covered For:

The following contingencies are usually excluded under the Motor Insurance Policy:

  • General Aging, Wear and Tear
  • Damage by a person driving without a valid Driving License
  • Damage by a person driving under the influence of liquor or drugs
  • Loss / Damage beyond the Geographical Limits of India
  • While Vehicle is used for unlawful purposes
  • Mechanical or Electrical Breakdown or Failure
  • Loss / Damage attributable to war, mutiny, nuclear risk
  • Consequential Loss (Consequential Loss to the Engine can be covered if you have an Engine Cover Add-On*)
  • Depreciation on Parts Replaced (Covered if you have a Zero Deprecation Add-On*)
  • Consumables (Covered if you have a Consumables Cover Add-On*)
  • Damage to Tyres (Covered if you have a Tyre Cover Add-On*)


The Add-On Polices offered by various Insurers depends on the Age, Make and Model of the vehicle. All Add-On Policies are Not Available for all vehicles.

What Would You Have to Pay?

Compulsory Deductible (Amount Deductible from Each and Every Claim)

  Type of Vehicle Deductible Amount

Private Cars Not Exceeding 1500 cc

Rs. 1000


Private Cars Exceeding 1500 cc

Rs. 2000

Rate of Depreciation to be borne by the Insured in respect of the replacement of parts as under:
These are not payable if you have opted for a Zero Depreciation Policy. However, there may be an Additional Excess on the Zero Depreciation Plan of some Insurance Companies.

  Type of Part Percentage of Depreciation

For all Rubber/Nylon/Plastic Parts, Tyres and Tubes, Batteries and Air Bags



Fibre Glass Components



For all parts made of Glass


Rate of Depreciation for All Other Parts, including Wooden Parts and Paint, will be as per the following schedule:

  Age of Vehicle Percentage of Depreciation

Not exceeding 6 months



Exceeding 6 months but not exceeding 1 year



Exceeding 1 year but not exceeding 2 years



Exceeding 2 years but not exceeding 3 years



Exceeding 3 years but not exceeding 4 years



Exceeding 4 years but not exceeding 5 years



Exceeding 5 years but not exceeding 10 years



Exceeding 10 years


The compulsory deductible and the rate of depreciation on the replaced parts are as per IRDA guidelines and are same across all companies.

The claims process for a Theft Claim is detailed below.

  • Lodge an FIR with the Local Police.
  • 2
  • Intimate the Insurance Company.
  • 3
  • The surveyor from the Insurance Company shall meet you and guide you about the various documents required along with the Claim Form.
  • Once the Non Traceable Report is received from the Police, the same needs to be submitted to the insurance company.
  • 5
  • The car needs to be transferred to the Insurance Company's Name, based on the documents provided by the insurance company.
  • 6
  • Once this is done, the claim shall be paid to you. The claim amount shall be the IDV less the Compulsory Deductible.


  • All the ADD-ONs may not be offered by all the companies
  • There may be specific conditions, such as, Age of the Car, Type of Vehicle, NCB Status, etc. for the offer of the ADD-ONs
  • Pre-Inspection of the car may be required for ADD-ONs, as per the Insurance Company Norms
  • The ADD-ON Plans may be altered or withdrawn by the Insurance Companies at any time, without prior notice

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