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How to Claim Home Insurance?

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1800-209-5858

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FAQ's

What is a cover note?
It is a temporary insurance certificate that your insurer will give you, prior to the issuance of a policy. This is after you have duly filled and signed the proposal form and paid up the premium in full. It is valid for a period of 60 days (from the date of its issue) and warrants the Insurance Company to furnish the insurance certificate before

What if I want to make certain changes within the policy?
The term you might be looking for here is endorsement, which is an agreement in writing, concerning changes in your insurance policy. An endorsement can be put into action during issuance of the policy in order to introduce add-ons and a more extensive coverage or impose certain restrictions.

What is a No Claim Bonus?
You will be eligible for a No Claim Bonus (NCB) in case you don’t make a single insurance claim over the course of your policy. It reduces the premium on your car insurance policy and is a token for you being the good driver that you are. NCB can be transferred to a new vehicle belonging to the same class and is valid for a period of 90 days from

What to do when my policy expires?
Keep Bajaj Allianz on your speed dial and give us a holler on our Toll Free Number 1800-209-5858 in case your policy expires. We are working 24 hours, just to provide you a hassle-free insurance experience!

Can I register my claim online?
Absolutely! If calling our Toll Free Number doesn’t work out for you, you can always register your claim online.

What is a home insurance policy?
A home insurance policy protects homeowners from financial losses related to damage or destruction of their property and its contents.

Can I get an insurance policy for my home?
Yes, home insurance policies are widely available. However, the availability and specific types of coverage can vary depending on your location and the characteristics of your home.

What is the cost of home insurance policy?
The cost of a home insurance policy varies significantly based on factors such as the home's location, size, age, construction materials, coverage limits, and deductible amount.

What documents do I need to get a home insurance policy?
Home insurance can be obtained by providing basic information about your property, including its address, age, square footage, and construction details. Some insurance providers may also require documentation related to the home's value, such as an appraisal or purchase agreement. Check with the specific insurance provider for requirements.

What are common exclusions in home insurance policies?
Common exclusions often include damage from floods, earthquakes, wear and tear, mold, and certain types of water damage. It's crucial to review your policy documents to understand the specific exclusions that apply.

How do I register my claim?
To initiate a claim, you must promptly notify your insurer. It is important to provide details such as the date and time of the incident, along with a summary of what happened. Quick reporting allows for a timely assessment and response to your claim.

What documents would I need to process my home insurance claim?
The documents required to raise a claim generally include your insurance policy, a detailed account of the incident, photographic or video evidence of the damage, and repair cost estimates. These documents help the insurer accurately evaluate the claim and determine the extent of the loss.

What is the claim settlement process under the home insurance?
What is the claim settlement process under the home insurance?

How many times can I raise a claim on my home insurance policy?
While there is typically no fixed limit on the number of claims, frequent filings can influence your policy. Multiple claims within a short timeframe may lead to adjustments in your premiums. Insurance providers evaluate risk based on claim history, and consistent filings can indicate a higher risk profile, affecting future coverage.

What steps should I take immediately after my home is damaged?
Ensure the safety of everyone in your home. Take steps to prevent further damage, such as covering damaged roofs or windows. Document the damage with photos and videos. Contact your insurance company as soon as possible to report the claim.

Can I renew my home insurance policy?
Yes, home insurance policies can get renewed annually. Most insurers will offer renewal options, but it's essential to confirm with your specific provider.

How can I extend my home insurance plan?
Home insurance policies are generally renewed rather than extended. Contact your insurance provider before the policy's expiration date to initiate the renewal process.

What happens if my home insurance expires?
If your home insurance expires, your property will be uncovered. This means you would be financially responsible for any damages or losses that occur. It is recommended to ensure your policy is renewed before its expiration date to avoid a lapse in coverage.

What is the validity period of home insurance?
The validity period of home insurance is usually an year. However, some insurers may offer policies with different terms. Always confirm the validity period with your insurance provider when purchasing or renewing your policy.

Can I change my coverage level or add-ons at renewal?
In most cases, you can adjust your coverage level or add-ons at renewal. However, any changes may be subject to underwriting and approval by the insurance company.

Home Insurance Claims Process

  • 1. Intimate us about your general insurance claim and other information
  • 2. We will corrborate request and take it to claims department
  • 3. We appoint surveyor within 48 hours
  • 4. Surveyor submits final report within 7 working days
  • 5. Claims department will process claim within 7 working days

One Liner: You are just a single click away from a comprehensive home insurance claim settlement

We understand that unforeseen events and accidents can disrupt you with huge loss, we are here to provide you with efficient and reliable claim handling. Our experienced team of insurance professionals is dedicated to guide you through the claim process, ensuring a smooth and hassle-free claim experience. Our goal is to minimize the financial impact on you and serve you to get back on track as quickly as possible.

Home Insurance Claim Procedure

- Intimate us about your general insurance claim and other information

- We will corroborate request and take it to claims department

- We appoint surveyor within 48 hours

- Surveyor submits final report within 7 working days

- Claims department will process claim within 7 working days

- In case of theft, burglary, fire or any other natural calamity, don’t think twice before picking up the phone and dialling our Toll Free Insurance helpline 1800-209-5858. We are on your 24x7 speed dial, making sure no residential property damage or loss is bad enough to burn a hole in your pocket

- All you need to do is provide us your policy details and other information relevant to your General Insurance claim

- We will validate the claim’s authenticity and hand it over to our claims department, pronto!

- Once your claim request is registered, we will immediately appoint a surveyor within 48 hours. That’s faster than any insurance company

- Submit all relevant information to the surveyor/assessor, who will then submit the final report to us within 7-15 working days (this time is situation specific)

- Now, put your feet up and relax. We will process your general insurance claim within maximum 10 days

Claim Forms

Please fill the required claim form below, based on the nature of your claim.

- All Risk Claim Form

- Fire

- Burglary

- Electronic Equipment

- Machinery Breakdown

- Mobile Phones

Documents Required for Damages

- Claim form duly filled and signed by the insured

- Brief narration about the loss

- Purchase Invoice of damaged Item

- Estimate of repair

- Service report from repairer

- Repair bill

- Payment Receipt

- NEFT Documents

- KYC Documents if amount is more than 1 Lakh

- Consent

Documents Required for Theft

- Claim form duly filled and signed by the insured

- Details of lost item covered under the policy

- Purchase Invoice of the lost item

- Brief narration about the incidence occurred

- First Information Report - FIR

- Final Police Report

- Indemnity Bond (if required)

- NEFT Documents

- KYC Documents if amount is more than 1 Lakh

- Consent

Documents Required for Burglary

- Claim form duly filled and signed by the insured

- FIR/Police Panchnama

- Final Police Report

- Indemnity Bond (if required)

- Purchase Invoice of the lost items

- NEFT Documents

- KYC Documents if amount is more than 1 Lakh

- Paper cutting etc. if any

- Insured's consent/confirmation

- NEFT Documents

- KYC Documents if amount is more than 1 Lakh

- Discharge voucher

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With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144