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.

      How to Claim Car Insurance For Damage Caused From Cyclone?

      India has experienced some dangerous cyclones in the past few years. Cyclones like Yaas, Tauktae, and Amphan have caused severe destructions to the cities situated on the shore of the ocean. Well, the insurance industry in the country makes sure that the person who has suffered any kind of loss during the cyclones gets financial protection. Since vehicles, and especially cars parked outside the houses usually drifts away when a cyclone strikes, a car insurance policy comes in handy.

      Read more

      It is as important to know how to raise a claim for damage caused by cyclones to the car as it is to purchase a comprehensive car insurance plan. Here we will tell you everything you need to know about raising a claim for car policy if it gets damaged in a cyclone.

      Steps To Raise Claim For Damage Caused By Cyclone

      People usually purchase insurance policies but do not go through them properly to learn about the inclusions and exclusions. Since it is mandatory for a person to purchase third-party liability insurance but third party insurance does not provide cover to the policyholder but the third party only.

      This is why it is recommended to purchase a comprehensive insurance plan because it provides cover for almost all kinds of risks like theft, manmade damage as well as natural calamities like cyclones. So, here are the steps to raise your claim for the damage caused to your car in a cyclone.

      Inform Your Insurer

      The first and foremost thing you have to do is to inform your insurer about the damage caused to your car by a cyclone. When a cyclone hits a part of the country, it becomes national news but you cannot expect and rely on your insurer to contact you assuming that your area might have been hit by the cyclone. So, make sure to contact them.

      Evidence Of Damage

      It would be great and in your favour to collect some evidence of the damage. You can click pictures or record a video of the damaged car and send it to your insurer through email. This will make the process even easier.

      Keep Details Handy

      To make the process quick, it would be a good idea to keep the details like car details, policy number, and other required documents handy.

      Raise The Claim

      When you have the evidence, all the details, and required documents ready, you can go ahead and raise the claim. In a car insurance policy, there are two ype of claims, one is cashless and the other is reimbursement claims.

      Let us now tell you how to raise a cashless claim as well as a reimbursement claim.

      It depends on your insurance policy if it has the feature of cashless claim then you can just simply follow the steps mentioned above and raise a cashless claim where you won’t have to pay any amount and the insurer will pay on your behalf. In case of a reimbursement claim, you will have to pay for the service of the car to the garage and the insurer will reimburse the paid amount in a few days.

      In case the car has been swept away in the cyclone and has been damaged that it is not worth driving anymore then it will come under the clause of Total loss. So, what is a total loss?

      Total Loss In Car Insurance

      Total loss in car insurance is when the repair cost of the damaged car is more than75% of IDV of the car. The policyholder declares the IDV of the car while buying comprehensive car insurance.

      If the cyclone hits the car then there are high chances of total loss because the impact of a cyclone is usually severe. It can impact the engine, damage the body and other important parts of the car. So, if you raise a claim and your insurer declares a total loss then you will get an approximately equal amount of your IDV.

      Here Is An Example

      Rajeev owns a hatchback. He lives in Odisha that was hit by Cyclone Amphan. He is a comprehensive car insurance policyholder and the insured declared value of the car was Rs. 5 lakh. He raised a claim when his car was swept away in the Cyclone Amhan and when he sent the car to the garage, the repairing cost came out Rs. 4 Lakh that was more than 75% of the IDV.

      When the insurance company got to know about the repairing cost of the car they declared it as total loss. They provided Rajeev with the claim settlement amount that was Rs. 5 lakh minus deductibles.

      Conclusion

      It is advised to the car insurance policyholder to purchase a comprehensive insurance policy. Also, read the insurance details thoroughly so that whenever the car meets an unfortunate accident, you would know about the inclusions and exclusions of the policy and the added benefits that the policy provides. Also, purchasing the insurance policy online is beneficial than purchasing offline. It is cost-effective and you can raise the claim online as well as renew the policy and calculate the premium amount.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar
      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 Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand car require you to find car owner details by number

      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