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Home / Car Insurance / How to Claim Car Insurance
A car insurance claim is a procedure wherein the policyholder requests the insurance provider to compensate them for the damages suffered by their car mainly due to an accident, natural or manmade calamities, fire, etc. Vehicle theft is also covered. At ACKO, you can file car insurance claims online. You can submit your claim without unnecessary paperwork through our website or mobile app. It is that simple!
There are primarily two types of claims on ACKO - Cashless and Reimbursement Claims. Learn more about how to claim car insurance under each of these methods.
Get your car repaired at any of ACKO's network garages. We will pay the repair costs directly to the garage as per the policy terms. We also offer a free pick up and drop facility in select cities. You can also take advantage of our instant claim settlements for minor damages, such as a broken mirror or a dent on the bumper.
In this case, you inform ACKO and get your car repaired at a garage of your choice. Once the repair work is done, you will have to submit receipts of the repair cost. You can log in to your account via the website or mobile app to upload a copy of the repair invoices. ACKO will reimburse the cost as agreed in the policy document.
ACKO also offers a cashless claims experience. Over here, we settle the bills directly with our partner garages. Follow the steps below to file a claim through our cashless claim process:
Raise your claim through ACKO.com or mobile app.
Your car will be picked up within 60 minutes (in select cities).
Enjoy instant repairs at partner garages.
You will receive the repaired vehicle at your doorstep.
At ACKO, tracking your car insurance claim is super easy and hassle-free. We keep you in the loop about your claim status in real-time. Here are the multiple channels we use to update you on your claim status:
WhatsApp notifications ACKO mobile app notificationsAlternatively, you can also track your claim by visiting our website/mobile app, calling our customer support team or writing to us at [email protected] .
Understanding the process of registering claims against your car insurance is vital for a hassle-free experience. One of the crucial steps in ensuring a smoother claim process is to obtain the required documents. You must keep these documents in a safe and secure location. You may also store them as a soft copy in a storage device or mobile app such as DigiLocker for future reference.
Driving licence of the driver A copy of the insurance policy certificate Registration Certificate (RC) of the insured vehicle Proof of Identification of the policyholder First Information Report (FIR) if lodged Fire Brigade Report if lodged Cancelled cheque Original purchase invoice (if opted for Return to Invoice add-on cover) Any other document as requested by the insurerThe process of raising car insurance claims can be different for different situations and reasons. Each of these situations requires you to furnish one or more documents required for car insurance claim. Here are different types of claims and documents needed.
Every car insurance claim that is raised by the policyholder may not be settled. Some claims get rejected. An insurance company reserves the right to accept or reject a claim. So, it is advisable to take the necessary precautions to avoid getting your claim rejected.
Incorrect or misrepresentation of information while raising a claim. Claims raised against damage that is not covered by the policy. Getting your car repaired before or without informing ACKO. In case the claim is raised after the car insurance policy has expired. Not disclosing information such as modifications to the insured car. Unreasonable delay in raising the claim request. Driving the insured car without a valid driving licence. The insurance of your second-hand car is still under the previous car owner. The owner/driver uses the car for purposes other than those mentioned in the policy. A false claim made with untruthful information. Such claims are known as fraudulent claims.Driving the insured car under the influence of alcohol or other intoxicating substances at the time of the accident.
Damages to your car due to carelessness, such as starting the engine of a water-logged car.The insurer observes that the repair fee will be higher than the depreciated value of the car. The policyholder will then be given an amount equal to the Insured Declared Value.
Claims raised for reasons that are otherwise not covered as per the terms and conditions of the insurance policy.
Rejection of your car insurance claim can be stressful as it might involve a lot of money to repair the vehicle. It is important to follow the below practices so that you can avoid claim rejection.
Drive with a valid driving licence.
Be responsible at all times and follow traffic rules.
Do not drink and drive.
Read the policy document carefully.
Know the coverage and exclusions.
Know the claim process well.
Insurance companies hire Surveyors, also known as Loss Assessors, to assess the actual loss/damages arising due to accidents, burglary, fire, etc. to settle claims. The surveyors’ main role is to act as an intermediary between the insurance company and the policyholder while settling claims. That being said, surveyors are not required for every claim. Based on the guidelines released by the regulator IRDAI, we have defined the surveyor categorisation limit here. In the case of a claim meeting the criteria published on our website, we’ll appoint an independent surveyor who will visit and assess the insured car’s damages and provide the required information to ACKO. The surveyor has an important role to play to further process the claim. Below are the roles and responsibilities of the surveyor.
Investigate, quantify and validate the extent of loss and report the same back to us.
Provide professional and unbiased assessment and adhere to the strict code of conduct.
Provide and complete the assessment within the stipulated time frame.
During the survey or assessment, the surveyor needs to educate the policyholder about the claim process and the evaluation of the damages.
For a quick and hassle-free claim settlement experience, we recommend you report the accident immediately to ACKO. There are different situations when you will have to file a claim. Below are the steps to raise car insurance claims under various circumstances.
In the case of any damage to your car, you must inform ACKO at the earliest to avoid rejection chances. Here are the steps to follow while raising a claim for any damages to your car.
Log in to your account on www.acko.com or via the mobile app and click on “Claim Now”.
In case of cashless claims, we offer free pick-up of damaged cars (in select cities) and will send the vehicle to our network garages for repairs.
Track the repair status on our website.
You will receive the repaired vehicle at your doorstep.
We shall also appoint an independent surveyor to examine the vehicle, ascertain the reason and the extent of the loss. This can happen either at the accident spot or at the garage before it gets repaired. After a careful examination of the state of the car, we will approve/reject the claim.
In case of minor damages such as a cracked windscreen, a loose bumper, or a damaged side rear-view mirror, ACKO offers instant settlements. Once you receive the claim amount from us, you can get the damages repaired at a garage of your choice.
In case your car causes damage to the third-party vehicle, here are the steps to follow:
The third-party should file a First Information Report (FIR) at the local police station in whose jurisdiction the accident occurred.
Share the details of your car insurance policy with a third-party.
Inform ACKO immediately about the incident and share all the details about the accident.
If you receive any legal notice from the Motor Accident Claims Tribunal (MACT), please inform us immediately. ACKO will be dealing with the legal notice on your behalf.
The MACT will review and decide compensation to the third-party claimant. ACKO will settle the claim accordingly.
