Dhfl Car Insurance Claim

By opting for a car insurance policy, a policyholder can request claims with their insurance providers to seek compensation or reimbursement for damages or losses incurred by them due to their car depending on the coverage of the plan. The claim amount is based on the type and the sum insured of the car insurance policy. DHFL General Insurance Company is equipped with hassle-free claim settlement procedure with a network of more than 800 cashless garages.

Documents Required for Making A Car Insurance Claim

• Original driving licence
• Car’s Registration Certificate (RC)
• Original bills of repairs (in case of reimbursement)
• Filled and duly signed claim form
• Copy of the police complaint (FIR), if applicable.

In addition to these, the insurance provider can ask to produce additional documents as per the requirement.

How To Make A Cashless Car Insurance Claim With DHFL General Insurance

Following are the steps to request a cashless car insurance claim with DHFL General Insurance:

Step 1: Contact DHFL General Insurance

To file a claim, it is imperative to get in touch with the support staff of DHFL General Insurance and convey them about the loss or accident of the insured’s car. They can be contacted at the toll-free number 1800 123 0004 or by sending an email at mycare@cocogeneralinsurance.com. A policyholder can also reach them through the customer portal on the COCO By NAVI General Insurance or by using DHFL’s mobile app or by directly walking into the branch. The customer care team will register the request and will provide a claim registration number.

Step 2: Damaged car’s inspection

The DHFL General Insurance will organise an inspection. For this, a surveyor will be sent by the company to analyse the degree of damage sustained to the insured's car. During the inspection, the insured individual will be required to produce the necessary documents asked by the surveyor.

Step 3: Submission of report and documents

After the inspection process, the surveyor will frame and forward a report to DHFL General Insurance in compliance with their terms and conditions. Based on the report, the insurance provider will determine its coverage or liability and intimate the insured individual about the deductibles applicable.

Step 4: Repair and claim settlement

After receiving the confirmation from the DHFL General Insurance Company, the car can be taken to the network garages for repair purposes by the insured. After the repair, the insured is required to pay only for the deductibles at the garage, while the rest of the expenses are to be managed by the insurer.

If the insured’s car could not reach any network garage of DHFL General Insurance, then it can be taken to any other garage for repair. In such situations, a claim for reimbursement is needed to be filed with the insurance provider.

Step 1: Connect with the insurer

Contact the DHFL General Insurance Company and make them aware of the accident at the toll-free number 1800 123 0004 and appeal the representative to initiate the claim settlement procedure for reimbursement. After this, someone from the insurer’s end will revert with the claim reference number to inform about the steps to be followed and documents to be submitted.

Stage 2: Survey and documentation

The insurer will send a surveyor for the examination of the insured’s car. The insured person has to submit the filled claim form as well as necessary documents asked by the surveyor. Only after this, the car is allowed to be repaired at a garage.

Step 3: Get the car repaired

After receiving the thumbs up from the surveyor, the insured can take the car to any garage, get it repaired and make the payment.

Step 4: File For reimbursement

To seek reimbursement, the insured person is required to share the required documents with the insurance providing company. Once the reimbursement is filed, the insurer will repay for all the expenses for repairs after considering the applicable depreciation and deductibles.

Common Claim Rejection Reasons

Following are the common reasons due to which a car insurance claim can get rejected:

• The submitted claim form is partially or wrongly filled
• Accident of insured’s car due to careless or rash driving
• Accident of insured’s car while using it for some illegal activities
• Accident of insured’s car due to the influence of alcohol on the driver
• Submission of wrong or partial information during the policy purchase
• If the intimation to the insurance provider about the accident is delayed
• Mismatch of information between the claim form and submitted documents
• When the driver does not hold any valid RC or driving licence during the accident.