Documents commonly asked for in own-damage, theft and third-party motor claims.
A general checklist does not replace your policy wording or the list your insurer gives you for your claim. Ask the insurer what it needs in your case.
| Document | What it is for | When it may be needed | Differs by insurer? |
|---|---|---|---|
| Policy number or copy | Identifies the cover. | Always | Usually the same |
| Registration certificate (RC) | Ownership and vehicle details. | Always | Usually the same |
| Driving licence of the driver | Shows the driver was licensed at the time. | Accident claims | Usually the same |
| Claim form, signed | Your formal request. | Always | Yes, can differ |
| Police report (FIR) | Records theft, injury or third-party damage. | Theft, injury, death, third-party damage; sometimes major accidents | Yes, can differ |
| Repair estimate and final repair bills | Basis of the survey and payment. | Own-damage claims | Yes, can differ |
| All original keys and a non-traceable report from the police | Needed before a theft claim is settled. | Theft claims | Yes, can differ |
| Photos of the damage | Help the surveyor assess the loss. | Own-damage claims | Yes, can differ |
Last reviewed on 18 October 2026.
Official resources
- IRDAI policyholder website (opens in a new tab)IRDAI's site for policyholders: consumer education and how to complain.
- How to make a complaint (IRDAI) (opens in a new tab)Complain to the insurance company first. If it does not resolve the complaint within two weeks, or you are not satisfied, escalate to IRDAI.
Addresses checked on 19 October 2026.