How to Claim Your Motor Insurance: A Step-by-Step Guide
By: Vijesh Nair
Date:16/12/2025
Motor insurance is essential for protecting your vehicle from unexpected damage, accidents, and theft. However, when an unfortunate incident happens, knowing how to file a claim properly can save you time and ensure that you receive the full benefits of your policy. Here's a simple guide on what to do and what not to do when claiming your motor insurance.
What to Do When Making a Motor Insurance Claim
1. Report the Incident Immediately
For Accidents: As soon as an accident occurs, your first step should be to report it to the police (if required) and your insurance company. Most insurers require that the accident be reported within 24 hours, though this can vary.
For Theft: If your vehicle is stolen, notify the police and your insurer immediately. A copy of the police report will be crucial for processing your claim.
2. Document the Scene
Take clear photographs of the damage to your vehicle, the other vehicle (if involved in an accident), and the surrounding area. This documentation can serve as vital evidence when processing your claim.
Gather details such as the time, location, and any third-party information (witnesses, other vehicles involved, etc.).
3. Ensure All Relevant Documents Are in Place
Keep a copy of your insurance policy, the FIR (First Information Report) in case of theft or major accidents, and any medical records if there were injuries.
Provide your insurer with all necessary documents, such as your driving license, registration certificate (RC), pollution certificate, and insurance policy.
4. File the Claim With Your Insurance Provider
Contact your insurance provider through the customer service helpline or app. Ensure that you provide them with a clear and honest account of the incident.
If your insurer has a dedicated claim portal, you may be able to upload documents and images directly, speeding up the process.
5. Cooperate with the Surveyor
After the claim is reported, an insurance surveyor will assess the damage to your vehicle. Be present during this inspection, answer any questions truthfully, and provide any requested documentation.
6. Know Your Policy Terms
Review your insurance policy to understand the coverage limits, exclusions, and deductibles. Knowing these details beforehand can help you avoid unpleasant surprises.
7. Repair Only After Approval
If your vehicle needs repairs, always get approval from the insurance company before proceeding, unless it is an emergency situation. Some policies require the insurer’s confirmation before the repairs begin.
8. Follow Up Regularly
Stay in regular contact with your insurer to track the progress of your claim. Sometimes delays can occur, and following up ensures that your claim is processed promptly.
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What Not to Do When Claiming Your Motor Insurance
1. Don’t Delay Reporting
Delaying the reporting of an incident can result in the rejection of your claim. Most insurance companies have a specific time frame within which you must report the incident. Failing to do so can lead to complications.
2. Don’t Provide False Information
Always be honest and transparent when providing details about the incident. Giving false information or omitting crucial facts can lead to your claim being denied or your policy being voided.
3. Don’t Repair the Vehicle Before Approval
Never proceed with repairs before your insurance company approves the claim, unless it’s a situation where immediate action is required for safety or legal reasons. Unauthorized repairs can lead to disputes over compensation.
4. Don’t Forget to Review the Policy Exclusions
Many people are unaware of exclusions in their motor insurance policies. Common exclusions include damage due to driving under the influence of alcohol or drugs, driving without a valid license, and damage caused by natural calamities not covered under the policy. Review your policy to avoid any surprises.
5. Don’t Ignore the Deductible
Be aware of your policy's deductible—the amount you will need to pay out of pocket before the insurance company covers the remaining costs. Don’t assume the insurance will cover the entire repair cost.
6. Don’t Neglect Timely Documentation
Failing to keep up with all the necessary paperwork can delay the claims process. Ensure you collect the required documents, including photos, reports, and receipts, and submit them promptly.
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Conclusion
Filing a motor insurance claim doesn’t have to be a stressful process if you follow the correct steps. By reporting the incident promptly, providing accurate documentation, and understanding your policy, you can ensure a smooth claim experience. Avoid the common pitfalls of false information, unauthorized repairs, and unnecessary delays. Stay informed, and remember that your insurance is there to help you when you need it the most.
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