Understand Your Motor Insurance Claim
One place for ClaimVoice articles, guides and practical explainers. As the library grows, use the categories below rather than searching through dozens of pages.
New flagship guides
Detailed ClaimVoice guides using technical insurance terms with simple explanations and practical examples.
Why Motor Insurance Claims Get Rejected or Paid Partly
Policy conditions, licence, modifications, depreciation, add-ons, evidence and more.
Read guide → Second-hand vehicleClaim Within 14 Days of Buying a Used Car
Ownership, insurance transfer, insurable interest and claim documents.
Read guide → TheftPartial Theft
What happens when parts are stolen while the vehicle remains at the location.
Read guide → Theft recoveryVehicle Recovered After Theft
Court release, Superdari, insurer process and security precautions after recovery.
Read guide → SettlementTotal Loss vs CTL
IDV, repair cost, salvage and total-loss assessment explained.
Read guide → Claim disputesGenuine vs Fraudulent Claims
Understand genuine claims, investigations, fraud and why rejection does not automatically mean fraud.
Read guide → Claim disputesPayable Claim Rejected by Insurer
What to check when you believe a motor insurance claim should be payable but has been rejected.
Read guide → DocumentsDocuments Difficult to Procure
What to do when a requested document is delayed, unavailable or difficult to obtain.
Read guide → Survey & investigationSurveyor vs Investigator
Understand the different roles and what a policyholder should expect.
Read guide → DocumentsMotor Claim Documents Checklist
A practical checklist for accident, theft, fire, partial theft and total-loss claims.
Read guide → Important claim topicConsequential Damage
Understand the term, water/flood examples, causation, evidence and how to respond to a rejection.
Read guide →Start with a problem
Choose the area closest to what you are facing.
Why Claims Get Rejected
Understand exclusions, policy conditions, vehicle-use issues, evidence problems and common objections.
Explore → Claim problemsMy Claim Has a Problem
Rejected, delayed, partly settled, documents requested or payment reduced?
Start here → EscalationHow to Escalate
What to do when the insurer does not resolve your concern.
Learn →Explore by topic
Claim Types
Accident, theft, fire, flood, partial theft, total loss, CTL and more.
Explore → PolicyPolicy Decoder
IDV, deductibles, depreciation, CTL, exclusions and other policy terms in simple language.
Explore → ModificationsVehicle Modifications
CNG/LPG, fog lights, tyres and rims, sunroof, colour change and more.
Explore → ProcessClaim Journey
Intimation, survey, documents, investigation, assessment and settlement.
Explore → DocumentsDocuments & Evidence
Checklists, examples, sample letters and supporting records.
Explore → StoriesReal & Story-Based Learning
Customer experiences, documented cases and clearly labelled illustrative situations.
Explore →Latest modification guides
CNG / LPG Installation Not Endorsed
RC and policy endorsement issues.
Read → New guideTwo-Wheeler on a Prohibited Road
Road restrictions and insurance questions.
Read → New guideTyre & Rim Modifications
Wheel changes and claim assessment.
Read → New guideAftermarket Sunroof
Structural changes and insurance.
Read → New guideColour Change
Vehicle records and policy questions.
Read → Story guideAftermarket Fog Lights & Fire
An illustrative claim situation explained.
Read →