he flood waters are receding in Kerala now, but people’s struggles aren’t over yet. To restore their homes, vehicles and other property, people who have insurance will have to turn to insurance companies. Luckily the claims settlement process has been simplified to address the crisis. India’s insurance regulator has asked insurance companies to expedite the process of registration and claim settlement for anyone affected by the floods. How to go about it The claim should ideally be registered within the duration specified in your policy document, but in this case the deadlines have been extended by insurance companies. The insurer will contact/visit you within 48 hours. Here is how you can claim for home and motor insurance coverage: Motor insurance In order to aid those who have lost documents due to the floods, insurance companies have waived the need for documents if there’s a soft copy of the registration certificate online. All you need to do is share basic details with the insurer like your name, vehicle number and phone number and the insurance company will get your policy details.
The first and foremost thing to do is to inform the insurance company either in writing or by calling them. Do not delay this, even if you don’t have immediate access to your insurance document. In case you’ve lost the policy document, inform the insurer by calling their toll free number.
Damage to the engine is covered by basic car insurance as long as it’s not a consequential loss. So, if your vehicle has been standing in a waterlogged condition, do not start the engine as any damage caused due to the ignition will be regarded as negligence, and won’t be covered.
