Use these checklists at the moments that matter most in a claim. Save or print them.
At the accident scene
- Ensure safety first; move to a safe spot if possible.
- Photograph all vehicles, damage, number plates, the road and surroundings.
- Note date, time, location and weather.
- Exchange names, phone numbers, insurer and policy details with the other party.
- Get contact details of any witnesses.
- For injury, theft or major damage, file an FIR at the nearest police station.
- Inform your insurer as soon as possible — do not delay intimation.
Claim intimation
- Call/app-register the claim and get a claim reference number.
- Do not start repairs before the surveyor inspects (unless authorised).
- Keep the damaged parts available for inspection.
- Ask which documents are required and the expected timeline.
Documents to gather
- Policy copy, claim form, and claim reference.
- Driving licence and vehicle RC.
- FIR copy (where applicable).
- Repair estimate and final invoice.
- Photographs and the surveyor’s report (request a copy).
Educational information only — not legal or financial advice.
