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Motor Insurance Claims

  •  Claims process 
  •  Steps to follow 
  •  Documents required 

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Claims process

We understand that bearing the loss of / damage to your vehicle can be quite stressful. Which is why, we do our best to ensure that your hassles are minimised and keep the claim process as convenient as possible. Here's all you need to know about our claims procedure to help you get going.

Steps to follow

  • Intimate MHDI immediately along with Policy, Driver & place of accident details.
  • Intimate MHDI the details of the workshop where the vehicle will be shifted for repairs.
  • Do not leave the vehicle unattended at the spot of accident.
  • Lodge FIR with local police station immediately in case of Theft.
  • Preferably shift the vehicle to MHDI Preferred Workshop for repairs.
  • Do not proceed with accident repairs of the vehicle without advice from surveyor post inspection.
  • It is advisable to be present during surveyor inspection at workshop.
  • Surveyor shall be communicating on loss assessment details on completion of survey process.
  • New Parts should be utilised where replacement has been allowed unless otherwise stated.
  • MHDI to be intimated for carrying out post repairs re-inspection.
  • Where repairs carried out at MHDI Preferred workshops, pay the difference amount only as per Surveyor assessment & Policy conditions, to the workshop.
  • For other workshops the bills to be settled directly & submitted to MHDI in original.
  • If the vehicle has not been repaired as advised by surveyor or not to your satisfaction, please bring this to the notice of MHDI.
  • All documents as per checklist & depending upon the nature of accident to be submitted to the surveyor or to nearest MHDI office.
  • Where photocopies are submitted, please produce originals for verification.
  • If additional documents are required, you will be informed by the surveyor or MHDI.
  • Do not enter into any agreement with any person not authorised by MHDI in regard to the claim incident.
  • Ensure all declarations given to surveyor or MHDI in relation to the claim are correct & genuine.
  • Execute the claim settlement discharge voucher in lieu of acceptance of the settlement proposed by MHDI.
  • MHDI shall settle the claim within 7 days of receiving complete documentation & receipt of answers to queries raised.

Documents required

  • Document Name
  • Accident Claim
  • Theft Claim
  • Claim Form duly filled and signed by Insured
  • Copy of Registration Certificate (RC) along with the original for verification (in case of Total Theft, original RC needs to be surrendered)
  • Copy of driving license along with the original for verification
  • Police First Information Report (where applicable)
  • Fire Brigade Report (in case of fire)
  • Original repair/replacement bills (in case of reimbursement claim)
  • Photographs of the damaged vehicle
  • Entire set of vehicle keys
  • Final Report – No Trace Report for lost vehicle from the police
  • Subrogation & Power of Attorney in case of total loss and theft
  • Indemnity Bond
  • NOC from financer in case of total loss and t​heft
  • Discharge Voucher
Customer Support: 1800 266 3202 customercare@magma-hdi.co.in

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