MotorFIR copy (theft or major accident), policy document, RC copy, driving licence, photographs of the damage, repair estimate from a network garage, and the filled claim form.
Claims support
Claims are why you buy insurance — we make sure they pay out
When something goes wrong, the last thing you need is to navigate insurance jargon alone. Our team has handled hundreds of motor, health, fire, marine and liability claims, with a 98% settlement success rate.
What we actually do
We don't disappear after selling you a policy
From documentation to surveyor coordination to follow-ups with the insurer — we handle it. You focus on recovery; we handle the rest. That is the whole reason to buy through an advisor instead of a website.
- A named person on your claim, not a ticket number
- Document checklist sent within an hour of your call
- Surveyor visit coordinated and followed up by us
- Rejection review and IRDAI Ombudsman escalation where warranted
98%
Claim settlement success rate
How it works
The claim process, simplified
Four steps that take the stress out of filing.
Notify us
Call, WhatsApp or email the claim helpline within 24–48 hours of the incident. Tell us what happened — we open the file and tell you exactly what happens next.
Document the loss
We send a checklist of exactly which documents your policy type needs, and help you collect them correctly. Most rejected claims fail here, so we do not leave it to chance.
Surveyor & inspection
We coordinate the surveyor visit, chase the report and answer every insurer query on your behalf. You do not have to follow up with anyone.
Settlement
Once approved, the amount is credited to your account or paid directly to the hospital or garage. If a claim is rejected unfairly, we file a representation or escalate to the IRDAI Ombudsman.
Claim documents
What you'll need to file a claim
Requirements vary by policy type — here's the short version for the most common categories.
Motor
HealthHospital discharge summary, original bills, prescriptions, diagnostic reports, ID proof, policy copy, KYC documents, plus pre-authorization for cashless claims.
FireFire brigade report, FIR copy, photographs of the damage, stock register or inventory, books of accounts, repair or replacement quotations, claim form and policy schedule.
MarineBill of lading or LR copy, invoice and packing list, survey report, photographs, claim bill, joint survey report where applicable, and correspondence with the carrier.
Term lifeDeath certificate, claim form, policy bond, nominee ID proof, hospital records where applicable, post-mortem report for accidental death, and FIR copy.
CyberForensic report, FIR or cybercrime complaint, evidence of the breach, financial loss documentation, any regulatory notices, and customer notification records.
FAQ
Claim questions, answered
How quickly should I report a claim?
As soon as you can — ideally within 24 hours for motor and fire claims, and within 48 hours for health claims, or as your policy wording requires. Delayed reporting is the single most common cause of claim disputes.
What is a cashless claim?
In a cashless claim the insurer settles the bill directly with the hospital or garage, so you don't pay upfront except for excluded items. For planned hospitalizations we usually get pre-authorization within 2–4 hours.
What if my claim is rejected?
Most rejections come from documentation gaps, late reporting or a genuine policy exclusion. We review the rejection letter, identify the cause, and where the rejection is contestable we file a representation or escalate to the IRDAI Ombudsman.
How long does claim settlement take?
Motor claims typically 7–15 days. Health cashless approval 2–6 hours; health reimbursement 15–30 days. Fire and marine claims 30–90 days depending on the surveyor's report. We follow up at every stage.
Do I lose my No Claim Bonus after a claim?
For motor insurance, usually yes — a claim resets your NCB at renewal. An NCB Protection add-on lets you make a limited number of claims without losing the bonus; we'll tell you whether the extra premium is worth it in your case.
