Claim Process
Commercial Vehicle Insurance Claim: The Complete Process (and the Compliance Checks That Decide It)
How to file a commercial vehicle insurance claim in India — the full process, the documents, and the permit, fitness…
All guides
Articles
Step-by-step guides on filing, disputing, and understanding motor-insurance claims in India.
Policy & Coverage
EV Battery Fire: What a Thermal-Runaway Total Loss Does to Your Insurance Claim
If an EV battery fire or thermal runaway writes off your car: whether it is covered, why it usually becomes…
Consumer Rights
How to Take Your Insurer to Consumer Court — Filing a Complaint on e-Daakhil
A wrongly rejected motor claim is a deficiency in service you can challenge in a consumer commission. How to file…
Policy & Coverage
Return to Invoice (RTI): The Add-On That Pays What You Actually Paid for the Car
The Return to Invoice add-on pays your full invoice value (ex-showroom + registration + road tax) on total loss or…
Claim Rejections
Driving Your Private Car for Uber, Ola or Deliveries? It Can Void Your Insurance
Using a private car for ride-hailing or paid delivery can void your claim under the Limitations as to Use clause…
Policy & Coverage
Buying or Selling a Used Car? How to Transfer the Insurance (and Who Keeps the NCB)
How to transfer car insurance when buying or selling a used car in India: the 14-day rule, why only third-party…
Vehicle Guides
Car Damage Insurance Claims: What Is Covered and When You Should Actually Claim
The complete guide to car damage insurance claims in India: what own-damage cover pays for, the deductions to expect, when…
Vehicle Guides
Pothole Damage: What Your Car Insurance Pays — and Who Else You Can Bill
What car insurance pays for pothole damage in India: covered impact damage, the tyre and rim exclusions, the deductions to…
Vehicle Guides
Cracked Windshield? How a Car Glass Insurance Claim Actually Works
How a windshield glass insurance claim works in India: zero depreciation on glass, the deductible that applies, NCB impact, ADAS…
Claim Rejections
Modified Your Car? What Undeclared Modifications Do to Your Insurance Claim
Which car modifications you must declare, which are illegal (bull bars, structural changes), and exactly what an undeclared modification does…
Claim Rejections
Car Insurance Lapsed? What Happens to Your Claim — and the Grace-Period Myth
Motor insurance has no grace period. What a lapsed policy really means for your claim, why driving uninsured is an…
Consumer Rights
The Insurer Won’t Pay Even After You Won? Enforcing an Ombudsman Award or Court Order
You won the dispute but the insurer won’t pay. How to enforce an Insurance Ombudsman award (Rule 17) and a…