Claims Guide
Car Insurance Claims Guide
A simple, step-by-step guide to filing your car insurance claim — what to do at the scene, the documents you'll need, and how we settle claims quickly and transparently.
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How to File a Claim — Step by Step
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1
Report the Incident
Contact us on WhatsApp or by phone as soon as it is safe. Note your policy number and the time and place.
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2
Share Your Documents
Send photos of the damage and the documents listed below so we can register your claim.
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3
Assessment
Our team (or a surveyor) reviews the damage and confirms what is covered under your plan.
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4
Approval
Once approved, we authorise the repair and keep you updated at every stage.
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5
Cashless Repair
Get your car repaired at a network garage — we settle directly, so you pay less out of pocket.
Documents You'll Need
Policy / Takaful certificate
Valid driving license
FIR (for theft or major accidents)
Photos of the damage
Completed claim form
Types of Claims We Handle
Accident Damage
Repair costs after a collision or accident.
Theft
Loss from theft or attempted theft of your vehicle.
Fire
Damage caused by accidental fire or short circuit.
Need to file a claim now?
Our claims team is available 24/7 — start your claim and we'll guide you through every step.
Claims FAQs
As soon as it is safe to do so. Reporting quickly helps us register your claim, guide you, and speed up settlement — especially for theft, where an FIR is time-sensitive.
In most cases, no. Repairs at our network garages are settled directly (cashless), so your out-of-pocket cost is minimal, subject to any excess on your policy.
Straightforward claims are assessed and approved quickly. Timelines depend on the damage, the documents provided and any survey required — we keep you updated at each stage.
Report it to us and file an FIR immediately. Share the FIR, your policy and CNIC, and we will begin the theft-claim process.