Motor Insurance

If you have an issue with your vehicle insurance, you could be entitled to a refund. Use our free tool to raise an issue with the service provider.

Motor or vehicle insurance protects the owner of the vehicle against any physical damage or financial loss. Motor vehicle insurance also covers theft of the vehicle or damage caused to third party or property. Having a motor Insurance for both car and two-wheelers is mandatory in India. The Motor Vehicles Act governs the motor Insurance in India along with  IRDA. This guide will provide you with solutions for certain motor insurance-related issues and also let you know your rights.

How to complaint about motor insurance?

In case you are not satisfied with the motor insurance company, You may :

  • Initially, contact the toll-free customer care number provided to you by the travel insurance policy provider, you can also drop a mail on their e-mail id specified therein.
  • Submit your complaint in writing, along with the necessary documents to support the complaint.
  • Remember to take the written acknowledgement of your complaint duly signed with the date specified.
  • You may also approach the Grievance Redressal Officer, of the travel insurance Company
  • They usually resolve the issue within a reasonable time. However, if they don't solve within 15 days or if the result is unsatisfactory, you may approach the Grievance Redressal Cell of the Consumer Affairs Department of Insurance Regulatory and Development Authority of India (IRDAI).
  • When you purchase an insurance policy/product from a Bank, it is regulated by RBI, through its appointed external Banking Ombudsman.
  • Lastly,  file a civil complaint with the insurer before a civil court.

How will RBI help me with my issue?

The Banking Ombudsman appointed by the RBI will make a decision on your case either through conciliation or mediation between the complainant and the bank complained off. If the terms of the settlement offered by the bank are fully accepted by you, the Banking Ombudsman will pass an order as per the terms of the settlement. Further, the outcome will be binding on you and the financial organisation. Compensation offered by RBI:

  • For Loss suffered: The Ombudsman has the power to direct the Bank to pay as compensation, equal to the amount of loss suffered because of the act or omission by the Bank or amount up to Rs 20 lakh, whichever is lower. 

 

  • For Mental Agony and Harassment: You will be awarded compensation not exceeding Rs.1 lakh.

 

If the issue is still not settled by way of an agreement within a period of one month, the Banking Ombudsman will proceed further to pass an Award. However, a reasonable opportunity is provided to both the bank and the complainant to present their case. But, this award is not binding it is upon the complainant to either accept or reject it. Upon rejecting the award, you may approach the Appellate Authority which is vested with a Deputy Governor of the RBI. It will pass the order as it may deem fit in the best of your interest.

How will Resolver help you?

Having a genuine complaint with your motor vehicle insurance. Resolver will help you to submit your issue for free. Any complaint from Resolver is an official complaint, and thus the concerned insurance providers are obliged to act upon it. Resolver acts as a link between you and the company you’re complaining to, making it easier for you to get your complaint to the right place at the right time. Resolver ensures free service without any adverts or hidden costs. Start by telling us the name of the company or organisation you have an issue with, raise a case and leave feedback afterwards.

What should be included in my car insurance?

The car insurance cover includes:

  • Damage to the vehicle caused due to accident, natural disasters etc
  • Loss or theft of the vehicle
  • Third-party liability
  • Personal Accident Cover if you are the owner of the vehicle as well

Is there anything not included in my car insurance?

  • General ageing, wear and tear
  • Breakdown(Mechanical/ Electrical)
  • Damage caused by an intoxicated person (by way of alcohol, drugs etc)
  • Damage caused by a person having no or invalid license 
  • Significant loss
  • Loss damage outside the territory India

How can I claim motor insurance? 

  • Notify the insurance company as soon as possible. 
  • Then you may register the claim both online and offline by providing required documents like insurance claim form,  registration copy of the vehicle etc.
  • Some issuers also provide Cashless Claim if you take the vehicle to a network garage for repair. When you take your vehicle there for the repair you have to pay the claim amount, which will get reimbursed later by the insurance company.

Where can I find car insurance quotes?

Usually, motor or car insurance insurer’s website specifies their quotes. However, car insurance quotes can also be checked and compared from reliable online comparison portals. Resolver will help you find the solution.

What is the duration of a motor insurance policy?

Usually, a motor insurance policy lasts for a period of one year and it is renewed upon the payment of premium. 

How can I make changes in my motor insurance policy?

In order to make changes in the policy like change in name, address, or any such particulars related to the vehicle. It is advisable to have the original copies of the vehicle-related paperwork. This may act as proof at the time of requesting any changes. It can be initiated by an endorsement by the insurance company. If you face an issue, solve it via Resolver.

How can I cancel my existing Motor insurance?

Once you are convinced that the policy terms do not match your expectations, you should communicate your intention to cancel the policy in writing. Some insurance companies have a standard form for cancellation policy. It is advisable to mention the details of the policy, date of receipt of the policy document, the reason for cancellation and details of the concerned agent before raising a complaint with the insurance provider.

What to do if my Motor insurance policy is wrongly named?

You can easily and conveniently modify names on the existing policy. The following steps can be kept in mind for the same:

  • Call the customer care number, which may be specified on the policy itself.
  • Thereafter, fetch the original copy of the insurance document and visit the branch from where you had purchased the policy 
  • You will be required to carry a valid identity proof to identify the correct spelling of your name.
  • Once you submit the required documents and have raised a request for your name change, the concerned authority will take the action as soon as possible.

Can I transfer my insurance policy to the buyer?

Insurance policies are transferable in nature. You can transfer the insurance policy to the buyer of your automobile. Make sure you update the ownership transfer well within 14 days from the actual date of transfer, failing which no claim would be payable to the original buyer.

What to do if I lose my insurance policy?

In case you lose your insurance policy, it is important to report it to your insurance provider. You can submit your complaint with the motor insurance company. They will provide you with a duplicate copy of the insurance policy, upon charging a nominal fee.

In Summary

  • Make sure you retain the paperwork related to motor insurance.
  • In case of dispute call or drop email to the insurance service provider.
  • If the issue still persists approach the insurance providers office physically.
  • You may then raise the issue with the IRDA, thereafter with the insurance ombudsman.
  • As a last resort, claim your right with the Court.
  • You may also escalate the issue via Resolver.

Helping you with Motor Insurance services

You can raise issues with 57 companies in Motor Insurance services
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