It is very disheartening to find your parked car destroyed by trees/branches or even portions from buildings, hoardings or electric poles falling on it.


One of the most unfortunate things to befall a car, this leads to a feeling of helplessness. However, no matter how distraught you are, you must know what to do in such situations. Motor insurance plays a great role in alleviating this misfortune.


Comprehensive car insurance covers most of the calamities that can befall your car. Though it is an optional policy, it is advisable for every car owner to opt for this to get adequate protection, including events beyond your control. With this policy you can file the claim and get compensated for the damages, provided the policy is active at the time of incident.


Points to Remember


  • The damaged car should not be driven, as the claim may otherwise get rejected.
  • The debris should not be removed until the insurer gives permission.
  • A photo has to be taken for safety reasons.
  • Repairs should not be done without contacting the insurer.
  • The claim to be made will vary depending on the source of damage.


Documenting the Damage


  • Photos should be taken showing the damage and the area where the car has been parked.
  • Close-ups for specific damage need to be there too.
  • Interiors must be checked to document the damage.


The Claim Process


  1. Inform the insurance company as early as possible – online, via mobile app or by calling. Most of them go by set timelines.
  2. File an FIR. This is advisable, though not compulsory.
  3. Fill up the claim form with all relevant information.
  4. After the insurance company is informed, an inspection of the car will be scheduled by them followed by visit of a representative. Then the vehicle has to be sent to a garage.
  5. Post the survey and after analysing the claim request, the insurer will send an approval to the garage. The garage will provide an estimated timeline and repair cost. The insurer will be in contact with the garage to acquire information about the extent of damage and proceeding of repair work. As comprehensive insurance is deductible, the owner will have to bear the compulsory and variable deduction, as stated in the document.


Information Required


  • Insurance policy number
  • Owner’s contact number
  • Name of the policyholder
  • Time and date of the incident
  • Vehicle number
  • Location of the event
  • Model and make of the car
  • A short description of incident
  • Extent of the loss
  • Name of the garage with contact details


Documents Required


  1. Tax receipt and a copy of the registration book
  2. Copy of the driving license
  3. Repair bills and receipts after paying at the garage
  4. Claims Discharge Cum Satisfaction Voucher, signed across a revenue stamp (Only for a cashless claim)
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