Non Motor Claims Process

Insurance policies are contracts of insurance between the insured and Insurer. The insured needs to understand the policy issued to him before the loss occurs.

Filing the Claims:

• Contact the Call center immediately.
• The intimation of the loss can be made through Broker / Agent / FG representative in any office of FG.
• It is desirable that the call be placed on our call center to avoid the loop in the communication.
• Kindly ensure that as far as possible the policy details are available with you before you intimate the loss.
• Contact on Phone / email / fax.

In case of Fire loss:

• Contact the fire brigade / police.
• Try to minimize the loss and protect the property.

In case of Theft/ Burglary claims:

• Loss should be reported to Police Authorities.

In case of Marine transit loss:

• If you observe the damage to packing insist on open delivery.
• Qualify the BL/LR/RR/MTD/AWB.

Submitting Documents:

In support of your claim the insured may be required to submit the following documents:-

In case of Fire Policy Claims:

• Claim form, duly filled in & signed by the Insured.
• Inventory of loss.
• Repairs bills.
• Lab. Test reports, if required
• Photographs, if taken by the Insured
• Departmental Note about the incident
• Fire Brigade Report
• FIR & Police Panchanama.

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In case of Marine Claims:

• Policy/ Certificate of Insurance duly endorsed
• Invoice
• Packing List
• Surveyor’s Report
• Contract of Carriage i.e. Bill of lading, Air Way Bill, Lorry Receipt (Consignment Note), Railway Receipt (Original in case of Non - delivery)
• Documents pertaining to recovery.

In case of Engineering Claims:

• Claim Form
• Photographs
• Police report (first and final)
• Fire Brigade report

Note: 3 & 4 may be waived where the survey report is clear and does not cause any doubt on occurrence as well as extent of loss. Where Occurrence of riot is in public knowledge, production of Final Police Investigation Report and Fire Brigade report may be waived.

• Give your contact details i.e. Phone Number / Cell number / Email Id and address where you are available.
• Maintain all the records of expenses incurred and all the copies of documents and correspondence exchanged in respect of the loss.
• Do not dispose off the damaged item before the surveyor has seen the damaged goods and permits to dispose it.

Stock Loss:

• Try and make the detailed list of the stock damaged.
• If possible try to minimize the loss by segregating the damaged goods from the undamaged goods.
• Try to ascertain if the damaged goods can be restored to its original shape / state if so try to take steps to do so but in consultation with the surveyor.
• Keep the details of stock statement ready as on date of loss (before loss).
• Segregate the stock position into Raw materials, Stock in process, semi finished goods /finished goods/ others.

Property Loss:

• Make detailed lists, of all damaged items identifying make and model numbers. Identify where and when you bought the item and its original purchase price.
• If it is safe to do so, take a good look around your property and make a note of any structural damage. Don’t forget to look at all structures on the property such as sheds, fences, garage, etc.
• Obtain detailed written repair estimates from reliable, licensed contractors. The estimate should clearly give detail of labour and material needed.

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Liability Loss:

• Inform FG of the happening of an event which may give rise to a claim under the policy.
• Don’t forget to take down the Name, address and telephone number of the witness which will help us if contributory negligence is there and to be proved.
• Collect full details of the happening of the event like:-

Property Damage

• Nature and extent of loss / damage, valuation, depreciation
• Contributory negligence
• Loss of use, loss of profits, increased cost of working, etc. as claimed.

Bodily Injury / Death

• Age, Occupation, status, Income, Dependency, Age of the Dependents etc.
• Percentage of Disability supported by Medical Certificate.
• Contributory negligence.

• Forward the notice of the claim that may be received without admitting the liability to FG.

Inquiry Procedure.:

As your Insurer, FGI strives to maintain the highest standard of service at all times. If you have an inquiry or concern regarding your policy or claim we encourage you to

• Ask us or your insurance broker and agent for an explanation.
• Have all the pertinent information and documentation available.
• Make sure that you keep a record of who you talked to and what was said.

If your concern is still not addressed to your satisfaction we urge you to write to the Claims Head of the FGI office that issued you the policy.

We will of course make every effort to resolve any problem in a fair and reasonable manner.

Settling Your Claim.:

Once we agree on the terms of the settlement, payment will be sent promptly

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