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…
Claim Process
Everything you need to handle a motor insurance claim from start to finish — how to intimate a claim, gather documents, work with the surveyor, and follow through to a fair settlement.
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Motor Insurance Claim Process in India (Car & Bike): Step-by-Step Guide + Rejection Traps to Avoid
Filing a motor insurance claim in India is not complicated — but it is unforgiving of mistakes, and a claim can lose value or…
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Claim Process
Total Loss With a Car Loan: Who Gets Paid, and the Gap That Catches You
When a financed car is written off, the insurer pays the lender first. If the IDV is below your loan,…
Claim Process
Cashless Claim Denied at the Garage Counter? Why It Happens and What to Do
Cashless refused at the garage? The real reasons motor cashless gets denied, what to do on the spot, and why…
Claim Process
Re-Inspection After Repair: Why Car Insurance Claims Stall Here
The post-repair re-inspection is where many car insurance claims quietly stall. What the insurer checks, why claims freeze, and how…
Claim Process
Repair vs Replacement in a Car Insurance Claim: How the Surveyor Decides
How a surveyor decides to repair or replace each damaged part — and why the choice quietly changes your payout…
Claim Process
Own-Damage Car Insurance Claim: The Complete Step-by-Step Walkthrough
The full own-damage car insurance claim process in India — the six stages, IRDAI 2024 timelines, deductions, and the mistakes…
Claim Process
Two-Wheeler Own-Damage Claim: When to Claim, the Process & What’s Deducted
A two-wheeler own-damage claim works like a car claim but the economics differ — the compulsory deductible is just ₹50/₹100,…
Claim Process
Every Deduction on Your Car Insurance Repair Bill, Explained
Your claim cheque is smaller than the repair bill because several deductions stack — depreciation (betterment), deductible, consumables, tyre/battery share…
Claim Process
Garage Estimate vs Surveyor Estimate: Why the Approved Amount Is Lower (and What to Do)
The garage quotes the full repair cost; the surveyor approves what the policy pays. Why the approved amount is lower…
Claim Process
Salvage Value Deduction: Why Your Total-Loss Payout Is Less Than the IDV
A total loss is settled at IDV minus the value of the wreck. Whether that salvage deduction hits your cheque…
Claim Process
How Long Should a Motor Insurance Claim Take? IRDAI Timelines Explained (2026)
IRDAI now sets a clear clock on motor claims: surveyor within 24 hours, survey report within 15 days, and settlement…
Claim Process
Two-Wheeler Theft Insurance Claim in India: Does Your Policy Even Cover It? (Process & Traps)
A stolen bike is only covered if you have comprehensive insurance — third-party does not cover theft. The two-wheeler theft…
Knowledge is your best protection in a claim.
Browse our step-by-step guides and understand your rights before you act.