Ideally, you should get yourself acquainted with the motor insurance claim process
when you purchase your car or bike insurance. You can do so by going through your policy document or consulting your insurance provider or your insurance agent.
However, even if you haven’t had a chance to do so yet, you can do it now. By doing so, you ensure that you are prepared for the possibility of an accident involving your vehicle. Remember that your comprehensive motor insurance policy may also include a personal accident cover
(if you have opted for the same), so you may have more than one reason to claim your comprehensive vehicle insurance policy.
Before you initiate a motor insurance
claim, ensure that you are well aware of what your policy covers. Take a look at the policy document to understand the inclusions and exclusions of your policy. Some of the common scenarios that may not be covered by your policy are as follows:*
Routine wear and tear, or depreciation
Electrical or mechanical breakdown
Driving without a valid driving licence
If person is driving under the influence (of alcohol or drugs)
Damage to personal property
Protection of legal liability towards your paid driver
Any exclusions included in the policy wording
Motor Insurance Claims Process
If you are facing a situation with your vehicle that is covered by your insurance policy, you will be required to follow due process to make your claim. Here are the steps you can follow when you want to make a motor insurance policy claim:
Register your claim
You can choose one of the ways offered by your insurance provider and initiate your claims process. It could be via email, app, call, or the website. When doing so, ensure that you have your policy details, accident details, engine and chassis number, and vehicle inspection address ready.
Once your claim is initiated, you can move your affected vehicle from the site of the accident to the garage. Ensure that this is done as safely as possible to avoid further damage. Get the vehicle towed, if necessary.
In the event of theft, the police should issue a Non-Traceable Report in case the vehicle is not to be found within 90 days of the incident. The report can then be submitted to the insurance provider.
Survey and Claim Settlement
Based on the type of claim made, the vehicle will be subject to a survey. After this, the claim settlement process would follow.*
Ways To Initiate A Motor Insurance Claim
Your insurance provider may offer four ways of initiating your motor insurance claim. You can opt to initiate your claim via the website, the official app of the insurer, via email, or call. For starting your Bajaj Allianz General Insurance motor insurance claim process, you can choose one of the following ways:
To initiate a claim via call, you can dial the Bajaj Allianz General Insurance Motor Claim Assistance Number (1800-209-5858). If you have opted for ‘Motor On The Spot’, you can dial 1800-266-6416. Before you do so, ensure that you have your policy details handy.
You can log on to the Motor Insurance Claim Process page on the Bajaj Allianz General Insurance website and click on the “Register Online” option under the Motor Claim Assistance tab. Within the same section, you may also be able to check your claim status.
‘Motor On The Spot” claims can also be made from the website.
Via Insurer’s App
You can download the ‘Caringly Yours’ App on your smartphone and initiate your motor insurance claim through that. The app is available for download on Google Play as well as on the App Store. The app will allow you to pre-save your policy details for quick access.
You may also choose to drop an email to your insurance provider. You can reach Bajaj Allianz General Insurance at firstname.lastname@example.org. Ensure to include your policy details as well as your contact details in your email.
You will have to write on the following email IDs for any third-party liability claims:- email@example.com (accident intimations and reports from the police)
firstname.lastname@example.org (MACT to send summons/notice, claim petition, and award copy)
This includes claims for third-party bike insurance as well as car insurance.
The list of documents required when making a claim may differ on the type of claim being made. You may consult your insurance provider regarding the documents you may be required to submit to proceed with the claim process.
Following the claim process properly is crucial to ensure that you avoid facing any hiccups or delays during claim settlement. Accidents can happen to anyone, and they can come unannounced. It is essential to focus on your safety when driving. Ensure that you abide by all the rules and regulations. Having a motor insurance plan is not only a way to get financial protection, but having third-party liability insurance is also a requirement as per the Motor Vehicles Act.
Claims are subject to terms and conditions set forth under motor insurance policy.
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.