Category: Motor Insurance

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Understanding your car insurance claims process

Understanding your car insurance claims process

Car owners buy car insurance so that they don’t need to face financial loss after an accident, theft, and can get coverage for repair costs, medical facilities, etc. In case of an accident or theft, the insured individual is required to place a claim. But are you aware of the car insurance claims process?.

There is a simple and definite procedure to claim the insurance facilities. Relevant and appropriate information has to be provided to the insurance company for hassle-free and quick processing. If you are wondering how to claim your insurance, this article is for you.

How to place a claim after a car accident?

This is the most common case that happens and you need insurance facilities for repairing and medical facilities. So, how would you place a claim in the case of a car accident? Let us check out.

  1. Your very first duty after an accident, if you are not severely injured, is to collect photographs and take notes. If you have been involved in an accident with another car, pen down the car number, owner’s name, model, etc. Click photographs of the driver, car, your car, and the exact scene after the accident. These are valid pieces of evidence that you would need to show to the police and the insurance company.
  2. Though it is optional, it is always a good decision to report the accident to the local police station. Get a copy of the police report so that you can show it to the company. This helps in the quicker processing of the claim.
  3. Now is the turn to inform the company. You should go step by step. So, now you would require to fill a claim form. The claim form is available on the website of the insurance company or you can collect the form from the office. Fill the form carefully giving each and every detail.
  4. Once the claiming process is primarily done the company would send a surveyor to the accident spot to see the situation and examine the severity of damage to the car. You can provide the information and photographs you collected if the surveyor asks for them.
  5. The surveyor would prepare a report providing information and detail about the accident, damage details of the car, etc. He would send this report to the insurance company and submit a copy of the report to the insured person.
  6. Once the report is made, the assistance needed by the insured would become clear. The surveyor will then accompany you to the garage and offer the required guidance.
  7. Once the repairment is done and the car repairment bills are in your hand. This bill needs to be handed over to the surveyor. He would send the bills to the insurance authority.
  8. The insurance company would evaluate the bills and provide the payment to you.

However, always remember to report the accident immediately to get the maximum reimbursement. If you report it late, you may not get the expected amount. Therefore, the very first take is to inform your insurer about the accident and let a surveyor come to review the condition. It is your responsibility to ensure that every required detail is conveyed to the surveyor with relevant supportive proofs, like photographs, etc. It is highly recommended to bring every tiny piece of information to the notice of the surveyor in order to gain the maximum benefits.

Information needed to file a claim after a car accident

What information should you collect to file a claim? There are a few things that can help to make your case stronger and can act as solid evidence. Here is a list of the basic information that you must collect before filing a claim.

  • Note down the insurance policy number from the policy card.
  • Mention the date, time, and location of the accident.
  • Try to click some photographs of the accident scene. This will help the insurer to have a clear picture of what exactly happened.
  • Provide an in-depth description of how the accident happened.
  • If another party is involved in the accident, you would need to provide the insurance and contact details of the party.
  • You would have to provide the police station name where you reported the accident along with the report and the report number.

How to file a claim in case of car theft?

Now how would you file a claim if your car gets stolen? The process is more or less like the claiming procedure after an accident. You need to follow a few simple steps, let us take a look into the procedure.

  • Your first task is to file a police complaint about the theft.
  • Share the copy of the FIR with the insurance company authority.
  • Now the insurance company would send a representative for investigation.
  • You have to wait until the investigation is finished and the claim is approved by the insurance company authority.
  • Once your insurance claim is approved, you are required to submit the RC book of the car along with the duplicate keys.
  • Now the name of the car owner would be changed from yours to your insurer’s name.
  • You will also require to submit a subrogation letter along with some other papers that the insurer would ask for. Make sure to put on the signature on the papers.
  • Once the paperwork is done, the insurance authority would go ahead with the reimbursement of the claim.

The procedure is pretty simple. You just need to act rationally whenever an accident or incident of theft occurs. In case of an accident, don’t blame the other party. Don’t panic in that situation. Let the insurer handle the situation and figure out who is at fault.

Similarly, in the case of theft, report your insurer instead of panicking. Whenever the case is genuine, the insurer is always there to help you out. So, nothing to worry about.

Before buying insurance, read out and learn about the claiming procedure so that you can take immediate action after a mishap and make the car insurance claims process seamless.

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What is Zero Depreciation Car Insurance?

What is Zero Depreciation Car Insurance?

We have often come across the word depreciation. We usually hear it while we are reselling our machinery, especially cars, or while balancing our account books. Before understanding what is zero depreciation car insurance, it is important that you are familiarized with the concept of depreciation.

Depreciation plays a very crucial role in the motor insurance segment. Simply put it is a loss in the asset’s value. This deduction in value is done from time to time. It usually happens due to the factors like the age of the vehicle, no. of miles run, maintenance record, etc. This is the main reason why people prefer to buy second-hand cars because they get them at a reduced price.

We all know how complicated the insurance industry is. What usually happens is in case of an accident or damaging event, if the parts of your car are damaged, you won’t recover the whole amount lost.

Usually, the companies reduce the amount of depreciation on the part and then they pay you the balance. The person has to pay for the variation between the market value and depreciated part of the car.

This is where zero depreciation car insurance comes into play.

What is zero depreciation car insurance?

As the name suggests this category of insurance nullifies the depreciation factor while calculating the claim. If you buy a car insurance policy with zero depreciation then it doesn’t take into consideration the depreciation factor while reimbursing your claim.

The normal general insurance policies take into consideration the depreciation factor and then give you the amount as reimbursement. In zero depreciation, it’s not the case.

A zero depreciation policy can help you get the whole amount of compensation thus safeguarding you from all the losses that you may incur due to depreciation. You can buy this category of insurance while purchasing a new car or while renewing your policy.

Benefits of zero depreciation car insurance

1. No depreciation

As already mentioned, when you make a claim for any part of your car, the depreciation factor will not be considered while giving you the claim. The insurance company has to make the compensation which is in line with the market value of the car.

2. Major service providers

All the major insurers in the country provide this option in their offerings in the category of auto insurance. Zero depreciation is an indicator of the quality of the service provider.

3. Nullifies investment

Zero depreciation is a valuable addition to your basic auto insurance coverage. The elimination of depreciation factors makes your investment almost nil. It means that you will get a majority of all the amount that you have invested to repair your car or its parts.

4. The best option for New drivers

It is a highly suitable option for the new drivers because the fear of losing money is eliminated. We all know that the car starts to depreciate as soon as it comes out of the showroom. The new drivers are more prone to accidental situations thus it is better to nullify the depreciation aspect with zero depreciation.

Factors to consider before purchasing zero depreciation cover

After understanding what is zero depreciation car insurance. Now you should understand the factors that you should look for before purchasing zero depreciation insurance coverage.

1. Age of the car

There is a certain limit in terms of the number of years for purchasing zero depreciation insurance for your cars. You should always know that zero depreciation insurance is only available for new cars. The best thing to do is buy this while purchasing your new car.

2. Limitations on the number of claims

There are only a certain number of claims that you can make in the zero-depreciation policy. You should talk to the agent about this before making the purchase. This factor varies from one company to the other.

3. Claim settlement policy

Always look at the mechanism that your insurer is opting for while settling your claim. There is a certain percentage of reimbursement limitation on each material. For example- 50% depreciation on nylon parts. This is a bit of a complex factor about which you can talk to the representative to easily understand this.

4. Place of registration

If you have registered your car in urban areas then your premium rate is going to be a bit high as compared to the rural areas. The reason is that the cars are most susceptible to damage in the urban areas as compared to the rural areas.

5. Fuel and engine type

The fuel and engine type also plays a crucial role in deciding the zero-depreciation factor. The policies of each company vary as per the engine and fuel types.

Who should buy zero depreciation insurance?

People should also consider some personal factors before buying this option for their cars.

  • People who own luxury cars and have installed expensive parts in their cars. The reimbursement through zero depreciation will help you save a lot of money.
  • People who don’t like small scratches and dents on their cars.
  • People who are relatively new drivers and are just starting on the road.
  • People living in high-risk zones like difficult terrain or areas which are highly prone to accidents.
  • New car owners should always consider buying zero depreciation insurance coverage.

Conclusion

This was just a brief to explain what is zero depreciation insurance. You must always consult an expert and collect all the necessary information. The companies have a lot of options to offer to their customers, but you must always compare and only then choose a plan for yourself.

People apart from the above-mentioned categories should also opt for a zero-depreciation policy. This has become a very important aspect because the number of cars is increasing every day and the possibility of accidents and thefts is also on the rise.

It is always in your favor to choose the option of zero depreciation coverage. Depreciation is a factor that always leads to losses. The Zero depreciation insurance coverage will save you from the losses that may arise due to depreciation.

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What is First-Party Insurance?

What is First-Party Insurance?


An insurance contract is a contract between the first and second party wherein the second party or the insurer promises to pay or compensate the first party for his losses that might arise due to accidents or other loss-triggering events.

The motor and vehicle laws all across the world have made it mandatory for an individual to insure their car before getting it on the road. Multiple types of insurance categories vary as per the laws of the land. Before getting into the other details, you must first know what is first-party insurance and who is referred to as the first party.

Who is the first party?

The owner of the car is the first party. To simply put it, the first party in insurance is the person who is paying for the insurance policy. The purchaser of the policy is known as the first party. He/she is the individual who is going to receive all the benefits (compensation) whenever there has been a triggering event.

What is first-party insurance?

In this category of insurance, the first party can make the insurer liable for the losses that he/she has incurred in case of theft, damage, accident, etc. This insurance also covers the third-party losses that may arise due to the damage caused by the car owner. For example- Body injury during an accident, etc.

Procedure of filing first-party claims

A First-Party insurance claim can be initiated by the responsible policyholder. Claims can also be made by the immediate nominee specified in the insurance contract upon the death of the legal policyholder. The following method must be followed to successfully file a first-party insurance claim:

  1. Get in touch and inform the company or insurer responsible.
  2. Obtain a copy of an FIR from the regional police station where the initial accident occurred.
  3. Submit all the required documents to the insurance company.
  4. The vehicle must be submitted to a workshop as authorized by the police station if any damage is incurred to the car.

After the completion of the filing procedure, a thorough investigation is conducted by the insurance company followed by a complete analysis of the documents submitted. Based on the evidence collected, the insurance firm will approve or reject the claim filed.

Difference between First-party and Third-party insurance

In the case of first-party insurance, the beneficiary is the owner of the vehicle. Whereas, in the case of third-party insurance, the compensation and benefits are availed by the other individual who might have suffered in the accident.

First-party insurance covers the losses of the vehicle owner up to the amount decided in the policy. On the other hand, in the case of third-party insurance compensation is paid depending upon the losses suffered by the third party.

Before purchasing your insurance policy. You should always check for these laws. It will help you to purchase the policy as per the rules of the country and will also safeguard the various penalties that you may have to incur because of non-compliance.

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What is IDV in bike insurance?

What is IDV in bike insurance?

There are several aspects of an insurance policy that not everyone is well acquainted with, one of which is IDV. The most misunderstood and common term, IDV in Bike Insurance is something that you’ll come across either while renewing or purchasing your bike insurance policy. So, what is it? Why is it beneficial for your bike coverage? We’ll give a clear picture and simplify it for you.

What is IDV in bike insurance?

IDV or Insured Declared Value in simple terms refers to the market value of your bike after the depreciation is calculated. It’s the maximum claim that you can receive from your insurance company when your bike is damaged, broken, or lost.

Note: IDV can be attained only under the Comprehensive Bike Insurance Policy.

For you to understand this better, we have an example:

Say you purchase a new bike for Rs 90,000 (excluding the amount of road tax, accessories, etc.). The IDV of your bike at the time you buy will be Rs 90,000 since the bike is new. However, with time as the bike ages, its value starts depreciating along with the IDV. In the next two years, if your bike’s value is for example Rs 45,000, the IDV will also be Rs 45,000.

The depreciation value is calculated as per ‘the sum the manufacturer sets for the value of your bike’ or as per the ‘manufacturer’s specifications’. It’s imperative to understand that the IDV is not calculated according to the value at which you can sell your bike at. For example, someone may be willing to pay Rs, 80,000 for your bike, but the IDV still would stay intact at Rs 45,000.

Your bike’s depreciation rate

Depreciation %

Age of the Bike

5%

6 months or below

15%

6 months- 1 year

20%

1-2 years

30%

2-3 years

40%

3-4 years

50%

4-5 years

IDV is decided by the policyholder and insurance provider mutually.

5 years and more

Calculation of IDV for bike insurance

Here’s how the IDV for bike insurance is calculated:

The current market value of the bike/ex-showroom rate – the depreciation of parts= IDV.

There are certain costs that are not included in IDV such as insurance cost, registration cost, and road tax. For accessories that have been added later, their IDV will be calculated separately.

Factors considered while calculating IDV

  • Your bike’s registration date
  • The city of registration
  • The make and model of the bike
  • The policy type
  • The age of your bike
  • The policy Period


The IDV and premium connection

It’s important to comprehensively understand IDV because sometimes the insurance providers tend to offer a low premium policy by reducing the IDV. This is simply not an ideal situation because when you wish to claim the insurance in case of damage, loss, or theft, you’ll be receiving a substantially low amount because of a low IDV. The premium and IDV are interrelated and therefore lower the IDV means lower premium and vice versa.

IDV for bike insurance is essential since it not just states your bike’s real value but also ascertains the sum that you’ll be paying for the bike insurance premium. Moreover, it also determines the claim amount that you’ll be receiving in case of loss, theft, or damage. Hence it’s important to make a prudent choice.

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What is IDV in Car Insurance

What is IDV in Car Insurance?


The car you possess is your prized possession. It is your source of happiness and transportation. Has the thought of losing it ever crossed your mind? It would definitely have. But did you do anything about it? Probably not, since most people are aware of car insurance but not an important aspect of it that is IDV.

What is IDV in Car Insurance?

An Insured Declared Value (IDV) may be intimidating to hear but is really easy to understand. It basically refers to the current market value of your car. To make it clearer, it is the amount that you can avail for your car.

Fixed by the insurer, IDV is a maximum Sum Assured that is offered by the insurer on the occurrence of loss or theft of the car. It is the compensation that will be provided to the policyholder if the vehicle suffers a major loss.

The IDV in Car Insurance is an essential aspect that aids the insurer to determine the correct amount of claim. In addition, it also helps the insurer to accurately calculate the premium price for your car insurance.

How to Calculate IDV for Car Insurance?

The calculation of IDV is done on the basis of the selling cost that is determined by the manufacturer. From the total sum, the depreciation on parts of the vehicles is deducted. The formula to acquire the Insured Declare Value is as follows:

IDV= (Listed Price by the Company- Depreciation Value) + (Vehicle accessories cost- the depreciation value of the parts)

The formula mentioned above is to calculate the IDV for a new car that includes accessories that are added on after the purchase. In case, your car does not have additional accessories, the calculation is even more simple.

The calculation can be easily done via an online IDV calculator. However, we also provide you with the formula for you to have knowledge of it:

Insured Declare Value= Price registered by the manufacturer- the value of depreciation

How to decide IDV for car insurance?

There are certain factors that help determine IDV for your car insurance. They are as follows:

  • Your car’s age: It’s one of the most important factors that determine your IDV. The more the car’s age, the lower IDV will be.
  • The make and model of the car: This determines how high end the car is and how high the repair cost would be. The IDV for a BMW would be higher than a Honda because of the maintenance and cost.
  • City of registration: The city your car is registered in has a direct impact on IDV. A car’s IDV would be more in a metropolitan city as compared to the smaller cities.
  • Standard depreciation: The moment you take your car out of the showroom, right from that time your car’s value starts depreciating. Moreover, the depreciation percentage keeps on increasing every year. All of this hugely affects the IDV.

With the above information, get well acquainted with the IDV in Car Insurance and take well-informed decisions.

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What is RTI in car insurance

invoice

What is RTI in car insurance

RTI stands for Return to Invoice. It is an additional add-on that can be purchased along with a car insurance policy. You would simply need to purchase an RTI add-on and pay the required additional fee to avail of RTI coverage.
The article aims to help you in understanding RTI in car insurance better. Topics covered would be:

  • What is RTI in car insurance?
  • Benefits of return to invoice (RTI)
  • Eligibility of RTI
  • Example of RTI 

What is RTI in car insurance ?

A Return to Invoice (RTI) cover gives the policyholder the ability to claim towards the total cost of the vehicle (on-road price, including road tax). The RTI cover bridges the gap between the Insured Declared Value (IDV) and the on-road price of the car. If a person takes an RTI cover along with his car insurance and is met with a serious accident, he is eligible for making a claim on the car’s on-road price, and not just the IDV.

This difference between the RTI price and the IDV price can be many lakhs, and it would be a prudent choice for new car owners to opt for an IDV add-on along with their car insurance.


Benefits of Return to Invoice (RTI)

Mentioned within are some of the notable benefits of an RTI add-on:

Enhanced coverage: A person will be eligible for a much larger coverage if he/she opts for an RTI coverage compared to a regular IDV coverage.

Relatively cheap: An RTI Rider can generally be availed for less than 10% of the total car insurance premium.

Theft protection: The policyholder will be compensated up to the billing amount of the car in the event of a theft. This amount can be far greater compared to just the IDV value of the vehicle.

Beneficial when a car is totaled: The RTI rider truly protects the policyholder when the vehicle is totaled. This is where the insurance company will compensate the holder with the billed value, not just the IDV.

Eligibility of RTI 

  • Brand new cars are eligible for RTI coverage.
  • Cars over the age of 3 years will not be eligible for RTI add-ons
  • This type of cover will only provide protection if the car is totaled (unrepairable). If the car can be repaired, RTI will not be applied.

Example of RTI 

Let us assume that Mr. Shantilal has bought a car insurance policy with RTI cover for his new Honda City. After 3 months, his vehicle is stolen. He files an FIR with the local police station, intimates the insurance company, and duly fills the claim-related documents.

Post this, the insurance company does its due diligence and disburses the total billed value of the vehicle (Rs 15 Lakhs) to Mr. Shantilal. Had Mr. Shantilal not taken the RTI cover, the insurance company would only provide him compensation up till the vehicles IDV (which was Rs 7 Lakhs as per his policy)

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How to claim car insurance?

a moving car

How to claim car insurance?

Excited about purchasing that shiny new sedan? Awesome! But it’s also important to know about the nitty-gritty of its paperwork. One of the most important pieces of paper when it comes to your car is its insurance policy. And one of the most important aspects of your car insurance policy is knowing how to make a claim. We’ll discuss the claim process in detail and you’ll come out of this article with having a proper grasp on how to claim car insurance seamlessly and effortlessly.

But first, let us understand what a claim is.

What is a car insurance claim?

A car insurance claim is the occurrence of the event where the policyholder formally demands the insurance company to pay/reimburse him for the damages caused to his vehicle. If the claim is in accordance with the terms laid within the car insurance policy, the company will compensate the policyholder.

A simple example of this is when a person takes an insurance policy for their car and then meets with a car accident that damages his headlights. The person will make a claim with the insurance company to recover the damages caused to his car. If the claim is valid and in accordance with the policy, the company will pay the policyholder for his damages.

Now let us understand how to claim car insurance and its process below.

Car insurance claim process

The claim process for own vehicle

Let us understand the process in 6 simple steps:-

Step 1: You need to Intimate your insurance agent or company about the accident.

Step 2: Fill up the relevant insurance claim form and submit it along with other required documents like registration, insurance copy, PUC certificate, etc.

Step 3: Post this, the insurance company will disburse a surveyor that will survey the damages and prepare a report.

Step 4: Car repair takes place.

Step 5: You can present your car insurance company with the repair bills and make the claim.

Step 6: The insurance company will issue you the payment if the documents are in order.

If you have a cashless garage clause in your insurance, you may also make use of cashless garages. The insurer will directly pay the garage in a cashless car insurance policy.


Third-party claim process

If you are in the unfortunate situation where a third party claims damages caused by you, the claims process is slightly different. Let us decode this with 5 simple steps:

Step 1: Intimate your insurance company about any potential third party claim.
Step 2: The third party may send you a legal notice for the damages you caused.
Step 3: You should intimate your insurance company about the same and share a copy of the legal notice with them.
Step 4: You will need to submit relevant documentation like car registration, policy copy, Police First Investigation (FIR) Report, etc to the insurance company.
Step 5: The insurance company will pay the claimant the damages (amount will be as ordered by the court).

Car insurance claim rules

  • Ensure that all claim-related communication is correct.
  • The policyholder should not partake in any willful falsification
  • Ensure that claim intimation is done as soon as possible
  • Ensure that you have proof that an accident has indeed taken place

It is also very important that you are aware of the principles of insurance before you make an insurance claim.

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Frequently asked questions about car insurance

  • Can I buy multiple car insurance riders at the same time?

    Yes, a policyholder can club multiple riders together.

  • Is car insurance mandatory?

    Yes, Third-Party car insurance is mandatory in India. (As per The Motor Vehicles Act, 1988)

  • What are the types of car insurance?
    • Comprehensive car insurance
    • Third-Party car insurance
  • What are the classifications of car insurance?
    • Private car insurance
    • Commercial car insurance
  • Can I port my car insurance policy?

    Yes, porting your policy is now possible in India.

  • How can I transfer my car insurance?

    You will need to furnish the following documents to your insurance company:

    • RC book copy
    • License copy
    • Transfer fee
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    Motor Insurance

    What is OD (Own Damage) in Insurance?

    What is OD (Own Damage) in Insurance?

    OD (own damage) is the damage caused to the policyholder’s insured vehicle. A motor insurance policy providing OD coverage will compensate the policyholder against any damage caused to his own vehicle.
    This content piece will aim to explain the concept of OD in insurance by discussing the following topics:

    • What is OD Coverage in motor insurance?
    • Example of OD in motor insurance
    • How is OD Premium Calculated?
    • OD Vs Third-Party insurance

    What is OD Coverage in motor insurance?

    An own damage (OD) motor insurance policy will provide coverage to the policyholder if his insured vehicle is damaged, stolen, vandalized, totaled, etc. The insurance company will either provide a cashless claim settlement or will reimburse the insured at a later date.
    OD coverage is optional in India and car owners can either choose to purchase a comprehensive motor insurance policy (optional) or a third-party motor insurance policy (mandatory).
    If a person has bought a comprehensive policy, he/she does not need to buy the mandatory third-party policy.

    Example of OD in motor insurance

    Let us assume Mr. Jayesh bought a comprehensive motor insurance policy for his new Honda City. A few months pass by and Mr. Jayesh becomes involved in a minor accident. His car’s windscreen is damaged and needs replacement. Mr. Jayesh informs the insurance company about this accident and the company reimburses him for the repair cost of the car. This is an example of OD coverage in motor insurance.

    How is OD Premium Calculated?

    The OD premium is calculated based on the following factors:
    • Age of vehicle
    • Make and model of the vehicle
    • Owners age and profile
    • IDV of the vehicle
    • Area of the vehicle

    OD Vs Third-Party insurance

    OD insurance is also commonly known as comprehensive motor insurance. This is where the owner and the third-party are both covered.

    Own Damage (OD)Third-Party
    CoverageCovers only the owner’s own vehicle.Covers only the opposite person’s damage/loss.
    Whether compulsoryNoYes. Third-party motor insurance is compulsory under the Motor Vehicles Act.
    CostIt generally costs more than third-party insurance as it covers both the owner and the third-party.It is cheaper compared to comprehensive insurance.
    CustomizationsCustomizations and riders can be opted under this policy.No. This is a standardized policy

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    How to check your bike insurance status

    How to check your bike insurance status

    Are you looking for a way to check your bike insurance status easily? This article will show you how you can check the status of your two-wheeler within in a few simple and easy to follow steps.
    We understand that regularly checking your motor insurance papers are very important as driving on the roads without a valid and up-to-date insurance policy is illegal. There are 2 ways of checking your bike insurance validity:

    • Check bike insurance through VAHAN
    • Check bike insurance through IIB

    Check bike insurance status through VAHAN

    Step 1: Visit the PARIVAHAN website

    Visit the website by entering https://parivahan.gov.in in your favorite web browser. You will now be at VAHAN’s homepage.

    Step 2: Hover over “Online Services” and click on “Vehicle Related Services”

    parivahan online services

     

    Step 3: Select your state

    parivahan vehicle related services page

     

    Step 4: Fill in the box with your RTO details

    vahan citizen services homepage

     

    Step 5: Click on RC Particulars

    parivahan online services RC particulars

     

    Step 6: Enter your vehicle number and chassis number

     

    Step 7: Check your insurance validity

    Insurance validity

     

    Check bike insurance status through IIB website

    Step 1: Visit the IIB website

    Insurance Information Bureau of India Homepage

    Visit the IIB website by entering https://iib.gov.in/ in your favorite web browser.

    Step 2: Click on “V SEVA” under Quick Links

    IIB quick links

     

    Step 3: Fill in your details

    IIB VSEVA Page

    You will need to fill in your name, email OD, phone number, address, vehicle registration number, accident date, captcha code and press on the submit button.

    Step 4: View vehicle details

    You will get a detailed summary of your vehicle details on this page, including date of purchasing insurance and date of insurance expiry.

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