Motor Insurance Claim

We help you with complete know-how and assistance with your claims.

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Guaranteed Claim Support,
Vishwas ke Sath

Life can be unpredictable but your claims journey need not be.

We will guide you from start till end in your claim journey. Start your claim process with us to get our support.

1800 267 67 67 from 10 AM to 7 PM
care@paybima.com

Motor Insurance claim

Submit your details and our dedicated team is ready to guide you through the process, providing support every step of the way. Your motor, your claim – simplified for your peace of mind.

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Motor Insurance Claim - Everything You Need to Know

How to Claim Car Insurance?

The claim process for your car will depend on the type of claim you raise for own- damage or a third party and it is vital to follow the process step-by-step. As an insurance broker, we aim to provide you with comprehensive guidance and support throughout the process. Visit the Paybima store near you or connect with your relationship manager or call the toll-free number 1800 267 67 67.

Own-Damage Cashless Claim Process
1
Step 1

Immediate Notification

Promptly inform your insurance provider about the accident or damage incurred by your bike. Time is of the essence in reporting the incident.

2
Step 2

Authorised Network Garage

Take your bike to the nearest network garage authorised by your insurer.

3
Step 3

Document Submission

Submit the required documents, including the claim form, a copy of your insurance policy, your driver's license, and your registration certificate. Accurate and complete documentation expedites the claims process.

4
Step 4

Repair Cost Estimation and Communication

The authorised network garage will thoroughly assess the damage and promptly share the repair estimate with the insurance company.

5
Step 5

Surveyor's Assessment

The insurer will diligently review the claim and assign a surveyor if necessary. In some cases, a video survey may be conducted on their behalf, providing an efficient evaluation of the damage.

6
Step 6

Direct Settlement

Upon claim approval and after due repairs, the insurer will settle the expenses directly with the network garage.

7
Step 7

Claim Deductibles

You are required to pay the deductible or depreciation amount as per coverage taken in the insurance policy.

8
Step 8

Vehicle Collection

After the repairs are completed and confirmation of the final insurance liability is received at the garage, you can collect your bike, ensuring a seamless conclusion to the claim process.

Own-Damage Non-Cashless Claim Process (Reimbursement)
1
Step 1

Immediate Notification

It is crucial to promptly inform your insurance provider about the accident or damage sustained by your bike. Immediate reporting ensures a prompt assessment of the situation.

2
Step 2

Authorised Garage

Take your vehicle to the nearest authorised garage or workshop for repair.

3
Step 3

Repair Cost Estimation

Obtain an estimate of the repair cost from the authorised garage. This evaluation facilitates an accurate estimation of the financial aspects involved.

4
Step 4

Document Submission

Submit the repair cost estimate, along with the required documents, such as the claim form, insurance policy copy, driving license, and registration certificate, to your insurer. Complete documentation ensures a smooth claims process.

5
Step 5

Surveyor's Assessment

The insurance company will assign a surveyor to meticulously assess the damage and validate the claim.

6
Step 6

Approved Claim and Repairs

Once the claim is approved, you can proceed with the necessary repairs at a garage, and ensure quality repairs.

7
Step 7

Payment and Reimbursement

After the repairs are satisfactorily completed, make the payment to the garage and collect the invoices and receipts. Submit these documents to your insurer for reimbursement in a timely manner. Paybima customers can simply log in and all necessary forms and documents can be submitted on the dashboard. They can track the claim status as well.

Claim Process: Vehicle Theft
1
Step 1

Immediate Police Notification

Without delay, inform the police and file an FIR (First Information Report). This formal report establishes the incident and is essential for initiating the investigation.

2
Step 2

Inform Your Insurance Provider

Notify your insurance provider promptly about the theft and provide them with all the necessary details.

3
Step 3

Documentation Submission

Submit a copy of the FIR, completed claim form, insurance policy copy and registration certificate to your insurance company. These documents form the foundation of your claim and facilitate a thorough evaluation.

4
Step 4

Surveyor's Investigation

The insurer will assign a skilled investigation agency to investigate the theft claim. The investigator’s expertise ensures a comprehensive assessment of the circumstances surrounding the incident.

5
Step 5

Additional Document Submission

Upon claim approval, you will be required to provide additional documents, including the original keys, bike documents, and any other relevant paperwork requested by your insurer. These documents support the claim verification process.

6
Step 6

Verification and Settlement

The insurance company will conduct a diligent verification process to validate the claim.

7
Step 7

Final Report and A-summary

If the vehicle is not recovered within 90 days, the police authority will issue a Final Report and A-summary.

8
Step 8

Settlement

The insurer will settle the claim based on the insured declared value (IDV) of the bike.

Claim Process: Third-Party (TP)
1
Step 1

Immediate Notification

Inform your insurance provider promptly about the accident involving a third party. Timely reporting allows for swift action and proper investigation.

2
Step 2

Gather Relevant Details

Collect all pertinent information about the third party involved, including their name, contact information, vehicle details, and insurance particulars. These details facilitate effective communication and evaluation.

3
Step 3

File an FIR (First Information Report)

It is compulsory to file an FIR in case of a third party. This legal document provides essential documentation of the incident.

4
Step 4

MACT Court

Third-party claims must route through MACT court. The honourable court will decide the amount of compensation to the third party.

5
Step 5

Claim Approval and Legal Representation MACT

Once the claim is lodged, your insurer will provide legal representation and handle the compensation process on your behalf.

6
Step 6

Compensation Determination

The compensation amount will be determined based on the liability and in accordance with the provisions of the Motor Vehicles Act, 1988. This legal framework governs the calculation of compensation.

7
Step 7

Direct Settlements

It is important to note that the insured should not settle any claim directly with the third party. Any such expenses are not authorised for reimbursement.

Documents for Claiming Car Insurance Policy

To raise your car insurance claim, you need to submit the right set of documents to the company. These include

document-claim

A properly filled claim form with your signature 

document-claim

Copy of your car insurance policy 

document-claim

Copy of your registration certificate (RC) 

document-claim

Driving license 

document-claim

Estimated bill for the repairs  

document-claim

Original repair bills along with payment receipts in case of reimbursement  

document-claim

Police FIR in case of theft  

How to Claim Bike Insurance?

The claim process for your bike will depend on the type of claim you raise for own- damage or a third party and it is vital to follow the process step-by-step. As an insurance broker, we aim to provide you with comprehensive guidance and support throughout the process. Visit the paybima store near you or connect with your relationship manager or call the toll-free number 1800 267 67 67.

Own-Damage Cashless Claim Process
1
Step 1

Immediate Notification

Promptly inform your insurance provider about the accident or damage incurred by your vehicle. Time is of the essence in reporting the incident.

2
Step 2

Authorised Network Garage

Take your vehicle to the nearest network garage authorised by your insurer.  

3
Step 3

Document Submission

Submit the required documents, including the claim form, a copy of your insurance policy, your driver's license, and your registration certificate. Accurate and complete documentation expedites the claims process. 

4
Step 4

Repair Cost Estimation and Communication

The authorised network garage will thoroughly assess the damage and promptly share the repair estimate with the insurance company.

5
Step 5

Surveyor's Assessment

The insurer will diligently review the claim and assign a surveyor if necessary. In some cases, a video survey may be conducted on their behalf, providing an efficient evaluation of the damage.

6
Step 6

Direct Settlement

Upon claim approval and after due repairs, the insurer will settle the expenses directly with the network garage.  

7
Step 7

Claim Deductibles

You are required to pay the deductible or depreciation amount as per coverage taken in the insurance policy. 

8
Step 8

Vehicle Collection

After the repairs are completed and confirmation of the final insurance liability is received at the garage, you can collect your vehicle, ensuring a seamless conclusion to the claim process.

Non-Cashless Claim Process (Reimbursement)
1
Step 1

Immediate Notification

It is crucial to promptly inform your insurance provider about the accident or damage sustained by your vehicle. Immediate reporting ensures a prompt assessment of the situation.

2
Step 2

Authorised Garage

Take your vehicle to the nearest authorised garage or workshop for repair.

3
Step 3

Repair Cost Estimation

Obtain an estimate of the repair cost from the authorised garage. This evaluation facilitates an accurate estimation of the financial aspects involved.

4
Step 4

Document Submission

Submit the repair cost estimate, along with the required documents, such as the claim form, insurance policy copy, driving license, and registration certificate, to your insurer. Complete documentation ensures a smooth claims process.

5
Step 5

Surveyor's Assessment

The insurance company will assign a surveyor to meticulously assess the damage and validate the claim.

6
Step 6

Approved Claim and Repairs

Once the claim is approved, you can proceed with the necessary repairs at garage, ensure quality repairs.

7
Step 7

Payment and Reimbursement

After the repairs are satisfactorily completed, make the payment to the garage and collect the invoices and receipts. Submit these documents to your insurer for reimbursement in a timely manner.

Claim Process: Vehicle Theft
1
Step 1

Immediate Police Notification

Without delay, inform the police and file an FIR (First Information Report). This formal report establishes the incident and is essential for initiating the investigation.

2
Step 2

Inform Your Insurance Provider

Notify your insurance provider promptly about the theft and provide them with all the necessary details.

3
Step 3

Documentation Submission

Submit a copy of the FIR, completed claim form, insurance policy copy and registration certificate to your insurance company. These documents form the foundation of your claim and facilitate a thorough evaluation.

4
Step 4

Surveyor's Investigation

The insurer will assign a skilled investigation agency to investigate the theft claim. The investigator's expertise ensures a comprehensive assessment of the circumstances surrounding the incident.

5
Step 5

Additional Document Submission

Upon claim approval, you will be required to provide additional documents, including the original keys, vehicle documents, and any other relevant paperwork requested by your insurer. These documents support the claim verification process.

6
Step 6

Verfication and Settlement

The insurance company will conduct a diligent verficiation process validate the claim

7
Step 7

Final Report & A-summary

If the vehicle is not recovered within a 90days period, police authority will issue Final report and A-Summery.

8
Step 8

Settlement

Insurer will settle the claim based on the insured declared value (DV) of the vehicle.

Claim Process: Third-Party (TP)
1
Step 1

Immediate Notification

Inform your insurance provider promptly about the accident involving a third party. Timely reporting allows for swift action and proper investigation.

2
Step 2

Gather Relevant Details

Collect all pertinent information about the third party involved, including their name, contact information, vehicle details, and insurance particulars. These details facilitate effective communication and evaluation.

3
Step 3

File an FIR (First Information Report)

It is compulsory to file an FIR in case of the third party. This legal document provides essential documentation of the incident.

4
Step 4

MACT Court

Third party claims must route through MACT court. The honourable court will decide the amount of compensation to the third party.

5
Step 5

Claim Approval and Legal Representation MACT

Once the claim is lodged, your insurer will provide legal representation and handle the compensation process on your behalf.

6
Step 6

Compensation Determination

The compensation amount will be determined based on the liability and in accordance with the provisions of the Motor Vehicles Act, 1988. This legal framework governs the calculation of compensation.

7
Step 7

Direct Settlements

It is important to note that insured should not settle any claim directly with the third party. Any such expenses are not authorised for reimbursement.

Documents for Claiming Bike Insurance

To raise your car insurance claim, you need to submit the right set of documents to the company. These include

document-claim

A properly filled claim form with your signature

document-claim

Copy of your bike insurance policy

document-claim

Copy of your registration certificate (RC)

document-claim

Driving license

document-claim

Estimated bill for the repairs

document-claim

Original repair bills along with payment receipts in case of reimbursement

document-claim

Police FIR in case of theft

Motor Insurance Claim – How to Avoid Rejections   

  • If the insurer finds intentional damages to the bike or a fraudulent claim, they can reject third-party or comprehensive cover.

  • If the rider was riding under the influence of alcohol when the bike was damaged, the claim will be rejected.

  • Every policy has a specified time to notify the company about the accident, from 48 hours to 7 days - intimation beyond that can get your claim rejected.

  • If the rider has an invalid license, the bike insurance company can reject the claim.

  • If the policy is expired, your claim will get rejected.

  • When a personal vehicle is used for commercial, the claim will get rejected, under violation of the T&Cs of the bike insurance.

Paybima Goes an Extra Mile
to Help You with Insurance Claims

Processes Explained

At every step we will guide you with the processes

Reach out to Your Advisor

Your Paybima advisor will be there by your side till you get your claim.

Call us at 1800 267 67 67

You can reach us at our toll-free number for guidance on claim

Loved & trusted by everyone

Securing my car with car insurance plan provided by Paybima has been a game-changer. Their responsive customer service and hassle-free claims process make me feel truly protected on the road. Highly recommended!

RM
Rakesh Mehta
Customer

I've been a proud customer of Paybima for my bike insurance. Their competitive rates and prompt assistance during an unfortunate incident proved they genuinely care about riders. Trustworthy and reliable!"

SD
Swara Damke
Customer

I bought this motor insurance for my bike last month and I am very satisfied with it. They have a comprehensive coverage that covers both third-party liability and own damage. They also have a fast and simple online renewal process, which saves me a lot of time and hassle. I think this is a great option for bike owners.

SP
Shreya P
Customer

I am very happy with the service and coverage of  my car insurance. They have a quick and hassle-free claim process, and the customer support  from Paybima was very helpful and friendly. I would recommend this to anyone who owns a car and wants to protect it from any damage or theft.

AK
Amit K
Customer
4.9/5 on Google
4.8/5 on Facebook
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