Vehicle Insurance Claim Support
A claim is stressful. Know the steps, keep your documents ready and avoid common mistakes.
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- Simple advice in plain words
- Help with renewals and claims
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Claim guidanceSteps and papers
Overview
About claim support
After an accident or loss, you should act fast and stay calm. Every insurer has its own process, but the main steps are similar.
Insurance Kro can guide you on the steps and the papers. The final claim decision is always taken by the insurer as per your policy.
What is covered
- Own damage claims for accident, fire, theft and natural calamities
- Cashless claims at network garages
- Reimbursement claims with bills
- Third-party claims, as per the policy
What is not covered
- Claims on an expired policy
- Damage while driving drunk or without a licence
- Wear and tear or breakdown
- Late intimation with no good reason
Good to know
What to do after an accident
- Make sure everyone is safe. Call for help if needed.
- Take photos of the scene and the damage.
- Inform your insurer quickly. Inform the police for theft, major accidents, injury or death.
- Do not repair before the surveyor checks, unless it is needed for safety.
- Keep all bills and papers. Submit the claim form and documents.
How we help
Simple steps to get covered
Share your details
Fill the short form with your name, mobile number and vehicle type. It takes about a minute.
Get your options
We call you, ask a few simple questions and explain the plans that fit your vehicle and budget.
Choose and stay covered
Pick the plan you like. We help with the papers, and with renewals and claims later.
Related guides
Read more before you decide
How to Make a Car Insurance Claim: Step-by-Step Process
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Read guideCashless vs Reimbursement Car Insurance Claim: What Is the Difference?
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Read guideWhy Car Insurance Claims Get Rejected and How to Avoid It
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Read guideFlood Damage and Car Insurance: Is It Covered?
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Read guideFAQs
Questions about claim support
What is a cashless claim?
You repair at a network garage and the insurer pays the garage directly. You pay only for items not covered and your deductible.
What is a reimbursement claim?
You pay the garage first and then claim the money back from the insurer with bills and documents.
What documents are needed for a claim?
Usually claim form, RC, driving licence, policy copy, repair estimate and bills, photos and FIR where needed.
Why can a claim be rejected?
Common reasons are an expired policy, no valid licence, drunk driving, wrong use of the vehicle, wrong facts and late intimation.
Ready to protect your vehicle?
Share your details. We will call you with clear options and honest advice.