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Claims Guide

Motor Insurance Claims, Explained Simply

From a network garage repair where the insurer pays directly, to reimbursement at a garage of your choice — here's exactly what to do after an accident or damage.

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Your Claim Journey

Cashless Garage Claim, Step by Step

When you repair at your insurer's network garage, they settle the bill directly with the garage.

1

Accident / Damage Occurs

Stay calm and ensure the safety of everyone involved.

2

Document Everything

Click photos of vehicle damage, the accident scene, and the third-party vehicle if any.

3

Inform Insurer Immediately

Call within 24-48 hours — don't move the vehicle without the insurer's nod, unless unsafe.

4

Take to Network Garage

Use the insurer's app or helpline to find a cashless garage nearby.

5

Surveyor Visits

Insurer assigns a surveyor who inspects the damage.

6

Repair Begins

The garage starts repairs after the surveyor's approval.

7

Insurer Pays Garage Directly

The insurer settles the approved repair bill.

8

Collect Your Vehicle

Pay only the depreciation, deductible & non-covered amounts.

Be Prepared

Documents You'll Need

Hover over a card for why it's needed. Keep digital copies of everything.

Insurance Policy Copy / e-card

Proof of coverage

RC (Registration Certificate)

Vehicle ownership proof

Valid Driving Licence

Of driver at time of accident

FIR

For theft, injury & major accidents

Filled & Signed Claim Form

Insurer's claim form

Original Repair Estimate

From the garage

Photos of Damage

Taken before repairs

Surveyor's Report

Insurer arranges this

Cancelled Cheque

If any amount is payable to you

PUC Certificate

Pollution Under Control

Common Questions

Cashless Garage Claims — FAQs

Quick, straight answers to what people ask us most.

Can I go to any garage for cashless claim?
Only to your insurer's network/empanelled garages — find them on the insurer's app or website.
Should I inform police before claiming?
Mandatory for theft, major accidents, third-party injury — advisable in all cases.
What is IDV and how does it affect my claim?
IDV is your vehicle's insured value — total loss/theft claims are settled based on IDV.
Who is a surveyor and why do they visit?
An IRDAI-licensed professional who assesses the damage and validates the repair cost.
What if the damage amount exceeds IDV?
It's declared a total loss — the insurer pays IDV minus salvage value and deductibles.
What costs do I bear even in cashless claims?
Compulsory deductible, depreciation on parts, and any unapproved upgrades.
Can I start repairs before the surveyor visits?
No — always wait for surveyor approval, except for emergency safety repairs.
Is flood or natural calamity damage covered?
Yes — under a comprehensive policy's Own Damage section; not in third-party only policies.
How soon must I report the claim?
Within 24-48 hours of the incident — delayed reporting can lead to query or rejection.
What if the other driver was at fault?
You can claim under your own policy or file a third-party claim against the at-fault driver.
Your Claim Journey

Reimbursement (Any Garage), Step by Step

Choose any garage you trust — pay first, then get reimbursed by your insurer.

1

Incident Occurs

Ensure safety, and document the damage with photos immediately.

2

Inform Insurer

Register the claim within 24-48 hours — get a claim reference number.

3

Surveyor Assessment

Insurer deputes a surveyor to inspect before repairs begin.

4

Repair at Any Garage

Get repairs done at a garage of your choice after the survey.

5

Pay the Bill

Clear the garage bill from your own pocket.

6

Collect All Documents

Get original bills, the job card, and payment receipts.

7

Submit to Insurer

File documents within the timeline specified in your policy.

8

Reimbursement Credited

The approved amount is transferred to your bank account.

Be Prepared

Documents You'll Need

Hover over a card for why it's needed. Keep digital copies of everything.

Signed Claim Form

Insurer's reimbursement form

Original Repair Bills & Receipts

Proof of payment

Repair Job Card

From the garage

RC, Valid DL & Insurance Copy

Ownership & coverage proof

Survey Report

Insurer arranges this

FIR

If applicable

Photos of Damage

Pre-repair

Bank Account Details / Cancelled Cheque

For NEFT transfer

PUC Certificate

Pollution Under Control

Parts Replacement Invoices

If any

Common Questions

Reimbursement Claims — FAQs

Quick, straight answers to what people ask us most.

Why would I choose a non-network garage?
Familiarity, trust, or a specialised garage for luxury/vintage vehicles.
Will I get full repair cost reimbursed?
Only approved amounts after depreciation and deductible deduction.
Do I still need a surveyor for reimbursement claims?
Yes — a surveyor must inspect before repairs start, even for reimbursement.
What if I start repairs before surveyor inspection?
The insurer may reject or reduce the claim significantly — always wait.
How long does reimbursement take?
Typically 7-15 working days post complete document submission.
Is there a cap on reimbursement amount?
Yes — capped at your IDV, minus deductible and applicable depreciation.
Can I claim for consequential damage like engine damage from waterlogging?
Only if you have an Engine Protection Add-on — standard policies exclude this.
What if garage charges more than the surveyor's assessment?
You bear the difference — negotiate with the garage or escalate to the insurer.
Can I withdraw cash-repair and file reimbursement later?
No — you must register the claim first, then get the surveyor's nod before repair.
Is NCB affected even in reimbursement claims?
Yes — any own damage claim impacts your No Claim Bonus at renewal.

Need Help With a Motor Insurance Claim?

From the moment of the accident to getting your vehicle back, our advisors can guide you through every step and follow up with the insurer on your behalf.

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