A comprehensive guide to the types of claims in automotive insurance

Insurance policies promise compensation for the financial loss that you suffer in case of emergencies which are covered under the policy. You buy an insurance policy for this promise and so when the covered contingency occurs, you expect the insurer to fulfil its promise and settle your claims.

What is an insurance claim?

Claim in an insurance policy is when you make a demand on the insurance company for payment of the policy benefits. A claim occurs when the event, which the policy covers, happens and such happening causes a financial loss. If the claim is covered under the insurance policy, the insurer pays the benefits promised under the plan and covers your financial loss.

When it comes to insurance claims, you are supposed to follow a specific process to get your claim settled. This insurance claim process is different for different types of insurance policies. So, let’s understand the insurance claim process.

How To Make a Claim - Motor

Formalities for a motor insurance claim

A claim under a motor insurance policy could be For personal injury or property damage related to someone else. This person is called a third party in this context) or For damage to your own, insured, vehicle. This is called an own damage claim and you are eligible for this if you are holding what is known as a package or a comprehensive policy.

Third Party Claim

In a third-party claim, where your vehicle is involved, it is important to ensure that the accident is reported immediately to the police as well as to the insurance company.

On the other hand, if you are a victim, that is, if somebody else’s vehicle was involved, you must obtain the insurance details of that vehicle and make an intimation to the insurer of that vehicle.

Own Damage Claim

In the event of an own damage claim, that is, where your own vehicle is damaged due to an accident, you must immediately inform insurance company and police, wherever required, to enable them to depute a surveyor to assess the loss.

Do not attempt to move the vehicle from the accident spot without the permission of police and the insurance company.

Once you receive permission for removal of the vehicle and for repairs, you can do so.

If your policy provides for cashless service, which means you do not have to pay out of your pocket for covered damages, the insurance company will pay the workshop directly.

In either of these situations, you must intimate the insurance company immediately.

Theft Claim

If your vehicle is stolen, you must inform the police and the insurance company immediately. In addition, you must keep the transport department also informed

As soon as you receive the policy document, read about the procedures and documentation requirements for claims rather than wait for a claim to arise.

If you have to make a claim, ensure that you collect all the required documents and submit them along with the requisite claim form duly filled in, to the insurance company.

There may be certain specific documentation requirements for specific types of claims. For instance, in respect of a theft claim, there is a special requirement that you should surrender the vehicle keys to the insurance company.

Register a Motor Insurance Claim:

Has your car been damaged? No need to worry, we are with you!

If you are moving ahead with your Car Insurance claim, we have made the process absolutely hassle-free. Please connect with your nearest Hyundai Workshop or Call Toll Free number of Insurance company. We’re happy to help you, no matter what time of the day it is!

What You Will Need to Provide:

When we say hassle-free, trust us to mean every word of it. We realize that your time is precious, particularly during an emergency. What you would have to provide is therefore minimal.

• Contact Details


• Policy, Engine and chassis number


• Date and time of accident


• Description and location of accident & Driver Details

Once you have registered your Motor Insurance claim, you will receive a Claim Reference number You will be intimated over SMS about the exact status of your claim.

You can also call us at our Number or visit our website and provide the Claim Reference Number to know your general insurance claim status.

Send in Your Vehicle for Repair:

We would suggest you move your vehicle to the Hyundai Workshop from the accident spot/breakdown point or have it towed to avoid any further damage.

In case of theft, file a complaint in writing with the police and intimate claim as soon as possible. Should your vehicle not be found within 90 days, ask the police to issue a Non-Traceable Report (an undertaking that they are yet to find your vehicle) and hand over the report Insurance company along with other required documents.

You can then sit back and let us take care of the rest.

Survey and Claim Settlement:

Basis the nature of your General Insurance claim, submit the copy of documents to your Hyundai Workshop and have them tallied with the originals. Surveyor will inspect the Car & will provide work approval as per policy terms & Conditions. Once repair work is completed, Invoice will be sent to Insurance Company & Post receipt of Delivery Order (in Cashless Claims) you can pay the difference amount & collect the Car.

From buying insurance, getting policy renewal alerts to intimating general insurance claims, HIIB Website, is the one-stop easy solution for all your insurance related needs.

With Hyundai India Insurance Broking, you can not only secure your vehicle but also avail a host of other add-ons such as Depreciation Reimbursement, Engine protector, Key and Lock replacement among others.