Claim Process
FIR vs Panchnama for a Car Insurance Claim: Which Police Document Does Your Claim Need?
FIR, panchnama or surveyor survey — which does your car insurance claim actually need? A clear decision guide for own-damage,…
Guides by Raju Patvekar
Claim Process
How to Fill a Motor Insurance Claim Form (Section by Section) — and the Entries That Get Claims Rejected
A section-by-section guide to filling a motor insurance claim form in India — what each field asks, the document it…
Consumer Rights
Consumer Court Complaint for a Rejected Car Insurance Claim (CPA 2019): Process, Limits & e-Daakhil
How to take a wrongly rejected car insurance claim to consumer court under the Consumer Protection Act 2019 — pecuniary…
Claim Process
Documents Required for a Car Insurance Claim in India: Complete Checklist by Claim Type
The complete, scenario-by-scenario checklist of documents required for a car or bike insurance claim in India — accident, theft, total…
Policy & Coverage
EV Charging & Fire Safety: What Your Insurance Actually Covers
A comprehensive policy already covers an EV fire from an accident — but water in the pack, charging surges and…
Policy & Coverage
No-Claim Bonus (NCB) Explained: Slabs, Protection, and Transfer
NCB is a discount worth up to 50% of your own-damage premium after five claim-free years — but only on…
Consumer Rights
How to Complain to IRDAI: The Bima Bharosa (IGMS) Process Step by Step
When your insurer stalls or rejects unfairly, IRDAI's Bima Bharosa portal (formerly IGMS) is the middle rung of the escalation…
Claim Rejections
Claim Rejected for Misrepresentation? Material Non-Disclosure at Proposal
A claim rejected for misrepresentation turns on one word: material. An innocent slip shouldn't cost you a genuine claim, but…
Policy & Coverage
Car Insurance Add-ons Worth Paying For (and Which to Skip)
A comprehensive policy leaves real gaps — depreciation, engine exclusions, IDV-not-invoice. Add-ons patch them, but you don't need all of…
Claim Process
How Your Car Insurance Claim Amount Is Calculated: The Depreciation Grid
The gap between your repair estimate and your payout is mostly the depreciation grid — fixed rates on plastics and…
Claim Process
Cashless vs Reimbursement Car Claims: Which to Choose and When
Cashless or reimbursement? The route decides who fronts the cash and does the paperwork — not how much your claim…
Consumer Rights
Non-Standard Settlement: The 75% Rule When Your Claim Isn’t Fully Rejected
A breach of a policy condition doesn't always mean zero. Where the breach didn't cause the loss, Indian law points…