Claim support
The policy only matters on the day you need it. Here is exactly what to do — and what not to.
At the spot — the first hour
- Make people safe first. Everything below can wait; injuries cannot.
- Inform the insurer immediately, from the spot if you can. Most policies require intimation within 24 to 48 hours, and a late intimation is one of the commonest reasons a valid claim is questioned.
- File an FIR if there is theft, a third party involved, or any injury. Without it, those claims will not proceed.
- Photograph everything before it is moved — the tractor, the damage, the surroundings, the other vehicle, the number plates.
- Do not start repairs. This is the mistake that costs farmers the most money.
Why repairs must wait. The surveyor has to see the damage in its original state to assess it. Repair first and the insurer has no way to verify what was damaged in the incident — they are entitled to reduce or reject the claim, and they usually do.
Documents to keep together
- Policy copy or policy number
- Registration Certificate (RC) of the tractor
- Driving licence of whoever was operating it
- FIR copy, where one was filed
- Photographs and video from the spot
- Original repair estimate from the garage
- Final invoice and payment receipt after repair
How the claim moves
- Intimation — you or we register the claim and get a claim number.
- Survey — the insurer sends a surveyor to inspect and assess the loss.
- Approval — the insurer confirms what is payable after excess and depreciation.
- Repair — carried out once approved; cashless at a network garage, otherwise you pay and claim reimbursement.
- Settlement — paid to the garage or into your account.
Why claims get rejected
- The policy had lapsed on the date of the incident.
- The driver held no valid licence for the vehicle.
- The tractor was being used commercially under a private policy.
- Repairs were done before the survey.
- The incident was reported days later with no explanation for the delay.
- The damage was pre-existing, or deliberate.
If a claim of yours has been rejected and you think it should not have been, tell us what happened. A rejection can be contested with the insurer's grievance cell and, if that fails, with the Insurance Ombudsman.