Your RTO details
RTO name
Code
City
Address
Pincode
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Get Car Insurance starting at only ₹2,094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Processing
    Other models
    Other variants
    Select your variant
    View all variants
      Secure
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Do's and Don'ts While Filing Car Insurance

      Owning a car is the ultimate dream for many. Choosing the car dealer, comparing the car features, meticulously selecting the colour from the colour brochure, haggling the best deal from the dealer, feeling a sense of accomplishment when the car dealer reluctantly agrees to include seat covers in the price you offer ­­­­­­— all this is part and parcel of the car-buying experience.

      Read more

      Naturally, seeing the car parked outside your house will stir up intense pride and joy in you. But, when we put in so much efforts in buying a car, shouldn’t we also think about protecting this car? Getting car insurance is a step in this direction as it safeguards a car against unforeseen circumstances. By law, auto insurance is mandatory for all motor vehicles in India. To protect your precious possession, getting the best insurance policy according to your needs and the car’s requirements should be the utmost priority.

      Whether it’s a used car or a new one, a car insurance policy is a must. It saves money in the long run, which otherwise would be spent out of your pocket. We have some tips that can make the process of claiming auto insurance easier and hassle-free. A car insurance plan can cover you against expenses that occur due to various unintended damages. A few car insurance providers in India are HDFC Ergo, Tata AIG car insurance, Bajaj Allianz car insurance etc.

      Dos and Don’ts while Filing Car Insurance:

      Every process comes with a list of dos and don’ts. From buying a dress to the food we eat – every single thing comes with its own set of rules and regulations. It only makes sense if we follow a list of dos and don’ts before we file a claim for the damage. Here they are:

      Dos while Filing Auto/Car Insurance

      A recent statistics say that Indian roads claim 16-18 lives per hour and most of these are due to car accidents. This also gives us a rough idea of the non-casualty accidents that occur every day. An insurance policy is a financial safety net for the damage and expense arising out of a grim situation like this. During such times, detailed knowledge of how to file a claim will make the claim process much easier. Make sure you have a valid license along with other documents before you file a claim. Absence of any of the important documents will render your claim invalid.

      • An FIR – First Information Report is mandatory while filing a claim. The first thing to do after a road accident is to call the police. This will be used by the insurance provider while processing the claim.
      • After the police, the next call should be to your insurance provider. Calling them with minimum delay is the best way to make claim process easier. Most policy providers have a window of 24 hours to 48 hours from the time of the accident to file a claim. So, call your policy provider as soon as possible.
      • After that, read through your policy documents to figure out if the current circumstances are covered and what expenses will be included or excluded in the claim. Calling their toll-free helpline or going over the frequently asked questions (FAQs) on their website might also help. Companies like Royal Sundaram and Tata AIG have a 24-hour helpline where all the details will be provided.
      • A picture is worth a thousand words, they say. So, take photos of the accident scene, the damages sustained by your car, your injuries, and the other party’s injuries. This will help you, your policy provider and also the police in clearing any queries or confusions in future. Take note of any witnesses, their names and contact numbers. Take a picture of the insurance policy of the other party involved in the accident. This can help you avail third-liability claim.
      • One should be honest and prompt with his/her policy provider, especially while filing a claim. Fabricating details or withholding information can put you in a bad light. Not disclosing the truth can result in two things – it might render your policy invalid or your claim request might get rejected on the grounds of unclear information.
      • Make a note of all the conversations held with the insurance company representatives along with their names and the position they hold in their company.
      • Maintain a record of all the bills with respect to your claim. Keep a record of expenses that you incur in the period between the time of accident and the day you get the final settlement
      • If you have a lawyer, rope him/her in. They can help you legally and can help you get the appropriate claim amount.

      Don’ts while Filing Auto/Car Insurance:

      • The first reflex in the face of a problem is to scuttle. But running away from the scene will not help you when claiming auto insurance. Do not move your car or the other party’s car from the scene.
      • Any informal settlement will make you miss out on the insurance claim. If you wish to file a claim, you will mandatorily need an FIR.
      • Do not get angry and lose control of the situation by lashing out on the other party. Gather yourself, be calm and ask the other party if they are alright and whether they need any help. Call the police and your insurance policy provider and lay out all the facts.
      • Do not driver under influence (DUI). Driving after consuming alcohol or other drugs is a legal offence. Don’t indulge in rash driving or street racing in common city/rural roads. Avoid using your personal car for commercial use. These actions, if committed, may lead to rejection of your insurance claim. Instead, you will be on the wrong side of the law.
      • Do not give any written agreement to the insurance policy provider before understanding what your policy covers and what it does not. Do not sign any documents provided by your policy provider before getting legal help. Whatever the insurance company offers at first is NOT the ultimate amount. Insurance providers will wish to close the case at a bare minimum amount and will try to push you into accepting it. Don’t give in to it until you feel satisfied.
      • Do not accept any cheque or Demand Draft from the insurance provider that says “Final Settlement” unless you are ready to do so. Consult your lawyer to get a better idea of the legal process. If unsatisfied, more claim amount can be requested.

      Following these dos and don’ts will help you while claiming your car insurance. Reading the policy fine print at the time of buying the insurance and also at the time of claiming it will simplify the claim process and will help you get the best of it!

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Search
      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
      Claim Assurance Program

      Car insurance Articles

      • Recent Article
      • Popular Articles
      20 Jun 2024

      Top 5 Car Care Tips to Beat The Summer Heat

      The extreme heat and constant heat wave warnings have made

      Read more
      11 Jun 2024

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand

      Read more
      21 May 2024

      Get Faster Claim Settlement with Policybazaar...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more

      How To Find Car Insurance Details By Registration...

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

      top
      View Plans
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL