Cashless & Reimbursement Claims Guide

Six-Step Motor Claims Settlement Guide

Cashless and reimbursement claims guide: When filing an insurance claim, policyholders navigate two paths: cashless settlement at an empaneled garage or hospital, or reimbursement after submitting repair bills. Follow our step-by-step roadmap to ensure fast approval.

Report a claim Contact Emergency Claims Support

Claim process

Official Six-Step Claim Settlement Roadmap

Before filing a claim, confirm:• Your policy is active.• Check the policy start date.• Check the policy expiry date.• Understand what is covered under your policy.If you are not sure, contact Insuremile before filing your claim.

Before you claim

Before You Make a Claim

If your policy includes Own Damage Cover, making a claim may affect your No Claim Bonus (NCB) at your next renewal. If the damage is minor, speak with our Customer Success team first. We can help you understand the impact before you decide to file a claim.

Required documents

Keep these ready before you file.

Driving Licence of the person driving

Vehicle Registration Certificate (RC)

Insurance policy copy

FIR copy (for theft or third-party claims)

Photographs / videos of the damage

Estimate from an authorised garage

Original repair invoice and payment receipt

Government & Statutory Education

General Insurance Council (GI Council): Motor Insurance

Read official Indian motor vehicle classifications and statutory insurance guidelines.

Launch IDV Calculator GI Council Guide

Our Commitment

Our Promise

Our job is not only to help you file a claim. Our job is to help you make the right decision before, during and after the claim process.

Report a Claim Contact Emergency Claims Support