Your RTO details
RTO name
Code
City
Address
Pincode
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 20+ 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.

      Is It Important to Claim Motor Insurance on Time?

      It is mandatory to have vehicle insurance before plying it on the roads of India. So, whether you own a two-wheeler or a car, you have to get it insured before you ride or drive it. An insurance policy pays for your financial liabilities that can incur to third-party property or person in case of an accident by your vehicle and pays for your vehicle’s repairs as well if it gets damaged. However, the coverage offered to you by your insurance policy depends upon the insurance plan you take.

      Read more

      There are two types of motor insurance plans provided by insurance companies like Royal Sundaram Car Insurance - third-party insurance and comprehensive insurance. On one hand, where third-party insurance is basic and mandatory insurance plan, a comprehensive plan offers extensive coverage and you can opt for it if you require more elaborated service from your motor insurance.

      As the name of a third-party insurance policy says, it offers insurance coverage for third-party property and person in case of an accident by your motor. However, the comprehensive plan provides coverage for your own car with third-party coverage. Resultantly, the premium of a third-party insurance plan is quite low than the premium of the comprehensive plan. But, when you have to make a claim, you have to follow certain steps as well as claim motor insurance on-time. Here are the steps and reasons to claim motor insurance as soon as possible.

      Steps to Claim Motor Insurance in Case of an Accident

      Before knowing the benefits of claiming motor insurance on-time, let us get an idea of the steps that you should follow to claim vehicle insurance:

      • Inform the insurance company as soon as possible. Generally, insurance companies, like Royal Sundaram Car Insurance, suggest calling their helpline number for giving intimation. However, after intimating the insurer, you will get a claim intimation number. Keep this number safely as this is required while coordinating with the insurance company for claim settlement.
      • The insurer then may ask you to take your car to the nearest network garage. This is because you will be able to get cashless service at network garages only.
      • Most of the times, the insurance company’s surveyor visits the network garage to assess the damages of your car.
      • After this, the surveyor prepares an estimation report and submits this report to the insurer.
      • You are also required to submit the duly filled claim form along with all the required documents to the insurance provider.
      • The insurance company gives its approval as soon as the survey is done and documents are submitted.
      • If in the accident, third-party is involved, then you have to file an FIR as well. The claim is then decided by the accident tribunal.
      • The repair of the vehicle starts only after the approval is given by the insurance company.

      Now let us understand the Importance of Filing Claim Motor Insurance on Time:

        • To Settle Your Insurance Claim Quickly: The insurance company starts the process of claim settlement as soon as you inform it. So, if you want quick claim settlement, inform the insurance company immediately after the accident. Delay in intimation further delays the process.
        • For an on-Time Survey of your Vehicle: As mentioned in the steps to file the claim, the network garage starts repairing your damaged vehicle only after getting a green signal from your insurer. And the insurer gives green signal only after the surveyor sends the estimation report after surveying your vehicle. So, if you inform the insurance company on-time, the surveyor will be assigned on-time and the further steps will be completed on time.
        • In order to Prevent Further Consequential Loss: If you inform your insurance company about the loss on-time or immediately after the accident, it may suggest you one of the nearest network garages. Moreover, it may arrange vehicle’s towing, if it is badly damaged and save you from consequential loss. These consequential losses are not covered in any type of motor insurance policy, thus you pay from your pocket for such loses.

      Wrapping it Up:

      So next time whenever you meet with a vehicle accident inform your insurance provider immediately. However, if it is not possible, then start processing your claim on-time without delaying. You can call your insurer for intimation and the customer representative will guide you how to file the claim. In this way, you will be able to make the claim settlement quickly. In this way, a single call to your insurance company like Royal Sundaram Car Insurance can save your time, money, and energy.

      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

      Car insurance articles

      • Recent Article
      • Popular Articles
      22 Feb 2024

      IDV in Car Insurance

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

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      17 Jan 2024

      How to Choose the Right Car Insurance for Your First Car?

      Buying their first car is no less than a milestone unlocked for

      Read more
      12 Dec 2023

      Things To Know Before Purchasing Sedan Car Insurance

      The type of four-wheeler you purchase also impacts its insurance

      Read more
      11 Aug 2021

      Steps to Check Vehicle & Car Insurance Status/Validity...

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

      Read more
      20 Dec 2021

      Find Car Insurance Details By Registration Number

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

      Read more
      20 Jun 2019

      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
      03 Jun 2016

      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
      06 Oct 2021

      Bharat (BH) Series Number Plate: Registration, Fees...

      With the introduction of the Bharat series number plate, the Government of India has solved the big hassle of

      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.

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