It is a healthy practice to regularly check the insurance claim history of your vehicle especially if it was pre-owned. By staying informed of the claim status, you can gauge the potential insurance premiums that your insurance provider may issue. This is particularly crucial as insurance providers increase the premium with each claim made.
It is important to note that having a good claim history can benefit you in the future. If you have a good claim history, your insurance provider is more likely to offer you a lower premium when you renew your policy. On the other hand, a poor claim history can lead to higher premiums or even rejection of your insurance application.
Types of Insurance Claims:
Broadly, there are two different types of claims that car owners can raise �
Non-fault: When the insurance provider pays for the damages caused by the other driver. Despite being a 'non-fault' claim, such cases can cause an increase in the insurance premiums charged.
Fault: When your insurance provider pays out for either an accident you caused or you suffered, it is considered a fault claim. Such claims can lead to a potential increase in premiums charged by your insurance provider.
Checking your car insurance claim history is an essential step to ensure that your insurance provider has recorded all the claims correctly. Here's a step-by-step guide on how to check your car insurance claim history in India.
5-Step Guide for Car Insurance Claim:
Get Your Policy Details: To check your car insurance claim history, you need to have your policy number and the name of the insurance provider. You can find this information on your car insurance policy document or renewal notice.
Check Your Insurance Provider's Website: Visit your insurance provider's website to check their insurance claim history. Look for the section on claim history or policy details. You may need to register or log in to access this information.
Enter Your Policy Details: Once you have accessed the claim history section, you will be asked to enter your policy number and other relevant details. Enter the required information and click on the 'Submit' button.
View Your Claim History: After submitting the details, you will be able to view your car insurance claim history. Check the details carefully to ensure that all the claims made by you or on your behalf are recorded correctly. If you notice any errors or discrepancies, contact your insurance provider immediately to rectify them.
Contact Your Insurance Provider for Assistance: If you are unable to access your claim history, contact your insurance provider's customer care team for assistance. They will guide you and help update your claim history.
Conclusion:
In conclusion, checking your car insurance claim history is a crucial step to ensure that your insurance provider has recorded all the claims accurately. By following the steps outlined in this article, you can easily check your car insurance claim history in India. It is essential to review your claim history regularly and make sure that all the information recorded is correct. To know more about car insurance and other related services, download the Park+ app, today. With Park+, you can get reliable information on car insurance and other services that make car ownership hassle-free.