Need to File an Insurance Claim?

An own-damage claim usually resets your NCB at renewal. For small damages, it's sometimes cheaper to pay out of pocket and protect your bonus. Our specialists will calculate both options for you before you decide — that's part of our free claim guidance.

In a cashless claim, you repair your vehicle at an insurer's network garage and the insurer pays the garage directly — you only pay the deductible and non-covered items. In reimbursement, you pay the garage yourself and the insurer transfers the approved amount to your bank account after document verification.

No. An FIR is generally required only for theft, third-party injury or death, or major accidents. For routine own-damage claims like dents or bumper damage, an FIR is usually not needed. We'll tell you exactly what applies to your case when you report the claim.

Simple motor claims are typically settled in 7–15 days from document completion. Cashless approvals at network garages can happen within 24–48 hours of survey. Health and theft claims can take longer. We follow up with the insurer on your behalf until the money is credited.

No — claim assistance is completely free for our customers. We help you with intimation, documentation, surveyor coordination and follow-ups at no extra cost. It's part of our promise when you buy or renew a policy through Aero Insurance.