Claims
How a motor insurance claim generally works
This page explains the usual sequence so you know what to expect. It is not a claim-management service.
CAREALL does not handle claims
Accident or loss occurs
Something happens that may give rise to a claim under the policy.
Ensure immediate safety
Safety of the people involved comes first, before anything to do with the policy.
Notify the appropriate authorities where required
Some incidents require the police or other authorities to be informed. Requirements vary by situation and applicable law.
Inform the insurer promptly
Policies generally expect the insurer to be told about a loss without delay. The intimation channel is set by the insurer.
Provide the required information and documents
The insurer states what it needs for the specific claim. CAREALL does not collect claim documents through this website.
Inspection or assessment where applicable
The insurer may arrange an inspection or a survey before deciding how the claim is handled.
Repair or settlement according to the policy
The outcome of a claim is decided by the applicable insurer under the policy wording and applicable law.
FAQs
Claim questions
The applicable insurer decides, under the policy wording and applicable law. CAREALL does not approve, assess, settle or guarantee any claim.
Policies generally expect the insurer to be told about a loss without delay. The intimation channel and any timelines are set by the insurer and stated in the policy.
Cashless eligibility depends on the insurer, the network arrangement and the specific claim. It cannot be confirmed in advance by this website.
No. CAREALL does not collect claim documents through this website. Documents are provided to the applicable insurer through its own process.
Next step
Want the claim process explained for your situation?
CAREALL can explain the general process and what the insurer is likely to ask for. The claim decision always remains with the applicable insurer.
Disclaimer
Information on this website is provided for general guidance. Actual insurance coverage, exclusions, eligibility, premium, deductibles, add-ons, claims and policy conditions depend on the applicable insurer, product, vehicle, use, policy wording and applicable law.
Official insurer policy wording and applicable law prevail.