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Kurinji Towers, Opp. Sri Kumaran Thangamaligai, Salem Main Road, Namakkal - 637001.
Claims
Benefits of Prime Policy Point Claims
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Immediate Action
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Documentation
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Survey and Assessment
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Repair and Reimbursement
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Cashless Hospitalization
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Emergency Hospitalization
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Reimbursement Claims
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Claim Settlement
Claims
We Prime Policy Point, our dedicated and experienced claim team focus to complete the customer service as fast. Our Team make the quick claim process and settlement of your claim on time. Our experts are there for support you every step of the claim.
Claim is an important aspect of both vehicle and group medical insurance. Our dedicated experts simplify you for the process.
1. Basic Claim Conditions
| Condition | Description |
|---|---|
| Valid Policy | Policy must be active on accident date/time. |
| Insurable Interest | You must own or have a financial interest in the vehicle. |
| Valid Licence | Driver must have valid licence for the vehicle type. |
| Permitted Use | Use vehicle as per policy (no commercial/race use). |
| Immediate Intimation | Inform insurer within 24 hrs. |
| Survey Before Repair | Damage must be inspected before repair. |
| True Information | Details must be correct; false info causes rejection. |
2. Documentation Rules
| Type | Required Documents |
|---|---|
| Own Damage | Claim form, RC, DL, policy, FIR (if any), estimate/bills/photos |
| Theft | FIR, Final Police Report, RC, DL, keys, claim form, subrogation & indemnity bond |
| Third-Party | FIR, Court/MACT notice; insurer represents you |
3. Claim Settlement
| Type | Mode | Note |
|---|---|---|
| Cashless | Insurer pays garage | You pay only depreciation/deductibles |
| Reimbursement | You pay first | Bills required for refund |
4. Deductibles & Depreciation
- Compulsory: ₹1,000 (<1500cc) / ₹2,000 (>1500cc)
- Depreciation applies to plastic/rubber parts
- Zero Depreciation Add-on avoids these cuts
5. Claim Rejection Reasons
- No valid licence / drunk driving
- Policy expired / illegal use
- Late intimation / no survey
- False or misleading information
6. Time Limits
- Report within 24–48 hrs
- Submit bills within 7–15 days
- Theft: Final report up to 90 days
✅ Example (Accident Case)
- Inform insurer → Get claim number
- Wait for survey → Don’t move car
- Submit docs → Get approval
- Repair done → Claim settled
No Claim Bonus (NCB)
NCB in a motor insurance policy is a reward given by the insurer to the policyholder for not making any claims during the previous policy period.
What is NCB?
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NCB is a discount on the Own Damage (OD) premium of your motor insurance.
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It is given when you renew your policy and have made no claim in the previous year.
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NCB applies only to Own Damage cover — not on third-party premium.
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If you make a claim, NCB becomes zero at the next renewal.
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NCB can be transferred to a new vehicle (if the owner’s name is the same).
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If you sell your car, you can retain your NCB certificate for use within 3 years on another vehicle.
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You can buy an NCB Protection Add-on to keep your bonus even after one or two small claims.
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Fast & Easy
ProcessEnjoy a smooth, hassle-free experience with quick approvals and minimal paperwork.
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Quick Claim
HandleGet your claims processed efficiently with our dedicated support team ensuring a swift resolution.
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Save Your
MoneyBenefit from cost-effective solutions, competitive rates, and smart financial planning to maximize your savings.
