Steps to follow

1. Intimation :

• The claim can be intimated to the Claim Department on Tel. No. :—————-
• The claim can also intimate to the local BGIC Ltd. office
• The claim can be intimated by the Insured/ Agent/Broker/ Insured’s representatives.
• Request to provide the policy details while intimating the claim.
• The date and time of loss, location and cause have to be provided at the time of claim intimation.
• Request to intimate the claims as far as possible through the Tel. No. :—————-for better controls.
• Provide the concerned person’s contact details for status updating.

• Intimate to the Police
• Intimate to the Fire Brigade
• Do not disturb the loss scene before the police/survey inspection of the premises
• Start loss minimization steps and protect the property

• Intimate to the Police
• Start loss minimization steps and protect the property

• Intimate to the local bodies
• Intimate to the Police
• Arrange the newspaper cuttings and metrological reports
• Start loss minimization steps and protect the property

• After any lass at first “Read the Important Notice” which is enclosed with the policy.
• If any external damage to the packing observed insist for open delivery
• Take the remarks of the carrier on the BL/LR/RR/AWB
• Insist for the damage certificate from the carrier
• Lodge a monetary claim on the carrier for any loss for which they are responsible
• Take the photographs before opening the packing
• Start loss minimization steps and protect the property

2. Registration :

• All the claims on the valid policies will be registered by the Call Centre or concerned office and communicate the claim number to the insured.
• Concerned claims handler contact details will be provided to the insured for any status updates.

3. Deputation of Surveyor :

• Based on the nature and extent of loss the suitable surveyor will be deputed within 24 hours.
• Surveyor contact details will be communicated to the insured by BGIC Ltd. office immediately.

4. Survey :

• Depending on the loss location and travel time the survey will be conducted within 24 hrs. subject to maximum of 3 days for remote location where travel arrangements are not available.
• Upon the completion of the initial survey the surveyor will guide the insured on Loss minimization and segregation of stocks, if any.

5. Documents :

• After the completion of initial inspection the surveyor and BGIC claims department will communicate to the insured on the List of Requirement (LOR) cc BGIC Ltd.

6 . Survey Report :

• Upon the completion of the reinstatement and submission of all documents including the repair bills and payment receipts the surveyor will release his Final Survey Report within a week time.

7. Claim Settlement :

• Upon the receipt of the all documents from the insured the claim will be settled within the Turn Around Time mentioned below.
• Claim Intimation: Any claim on non-motor policies has to be intimated to the insurance immediately.
• Claim Registration: The claim will be registered if all the required information has provided by the insured or his rep.(4 working hrs)
• Survey Appointments: Surveyor will be deputed immediately subject to information available on nature and extent of loss.(24 hrs)
• Survey: First inspection will be carried out on the same day if the loss is within the city limits and others will be based on the distance from the major towns.(24 hrs)
• Claim Processing: Claim will be processed within 15 days after receipt of the survey report, documents and any clarifications from the insured
• Documentation: Documents list is provided with the Claim Form and same have to be submitted.

Documents required