Select the closest match to see immediate guidance.
Motor Accident — what to do now
Do this now
Move to a safe place if possible and check everyone involved for injuries.
Call emergency services immediately if anyone is injured.
Photograph the vehicles, number plates, damage and the road/scene from several angles.
Exchange name, phone, licence and insurance details with the other driver, if any.
Note down witness names and phone numbers if anyone stopped.
Avoid this
Don't admit fault or agree to a cash settlement at the scene.
Don't get the vehicle repaired before it has been surveyed/inspected.
Don't move the vehicle from the scene before photos are taken, unless it's blocking traffic or unsafe to remain.
FIR / police report: Generally advisable — and often required by the insurer — where there is injury, a hit-and-run, theft, or dispute with the other party. Whether it's mandatory for your specific claim depends on your policy and the circumstances; check with us or your insurer.
Contact AI Insurance One or your insurer as soon as you reasonably can, with your policy number, the incident date/location and a brief description — most policies have a notification timeline.
Vehicle Theft — what to do now
Do this now
File an FIR at the nearest police station as soon as you discover the theft — this is generally required for a theft claim.
Inform your insurer / AI Insurance One promptly with the FIR details.
Keep the vehicle's RC, insurance copy, and all keys safe — you'll be asked for these.
Avoid this
Don't delay reporting to the police — a late FIR can complicate the claim.
Don't report a second, spare key as lost after the fact if it wasn't.
Exact document and timeline requirements vary by insurer and policy — we'll guide you through your specific insurer's process once you contact us.
Health Emergency — what to do now
Do this now
For a cashless claim, ask the hospital's insurance desk if it's in your insurer's network — this needs pre-authorisation before or shortly after admission.
Keep your health card / policy number and ID handy at admission.
Retain every original bill, prescription and discharge summary — reimbursement claims need originals.
Avoid this
Don't assume every hospital is cashless-network — confirm first, where the situation allows.
Don't discard bills, reports or pharmacy receipts, even small ones.
Cashless vs. reimbursement, waiting periods, room-rent limits and co-pay all depend on your specific policy wording — contact us and we'll help you understand what applies to you.
Property Damage / Fire — what to do now
Do this now
Ensure everyone is safe; call the fire brigade / emergency services if needed.
Photograph and video the damage before any cleanup or repair begins.
Make a list of damaged/lost items and, where possible, their approximate value.
Inform AI Insurance One or your insurer as soon as possible.
Avoid this
Don't start repairs or dispose of damaged items before the insurer's surveyor has inspected, unless safety requires it.
Don't throw away damaged stock, fittings or receipts.
A survey/assessment is usually required for property and fire claims — timelines and required documents vary by insurer and the scale of the loss.
Cargo Lost or Damaged — what to do now
1
Loss or damage discovered
Note when and how it was found — at unloading, on a routine check, or reported by the consignee.
2
Protect & secure remaining goods
Prevent further loss where possible before anything else.
3
Document the condition
Photograph and video the damage, the packaging and the surrounding area before anything is moved.
4
Preserve packaging
Keep the original packaging, seals and labels — they're often required as evidence.
5
Notify the carrier / courier
Tell the transporter, shipping line or courier immediately, in writing where possible.
6
Notify AI Insurance One / your insurer
Share your policy details, shipment documents and a brief description of the loss.
7
Collect shipping & commercial documents
Invoice, packing list, transport documents, weighment slips and carrier correspondence.
8
Survey / investigation where required
The insurer may arrange an independent survey, particularly for larger claims.
9
Submit claim documents
Once the surveyor's report (if any) is in, submit the full claim document set.
10
Insurer assessment
The insurer reviews and assesses the claim against your policy terms.
Exact requirements depend on your policy wording, the type of loss, the carrier involved, and — for international shipments — the shipment terms and destination country. Report a Cargo Incident →
Jewellery / Valuable Goods Loss — what to do now
1
Loss or damage discovered
Note exactly when and how it was found or reported.
2
Protect & secure remaining goods
Prevent further loss — secure the premises, safe or remaining stock immediately.
3
File an FIR if theft or burglary
Generally essential for these claims — file without delay at the nearest police station.
4
Preserve packaging & security seals
Keep security-case seals, packaging and any transit documents as evidence — don't discard anything.
5
Notify the carrier / courier
For in-transit loss, notify the transporter or courier immediately, in writing where possible.
6
Notify AI Insurance One / your insurer
Share your policy details and the FIR (if applicable) as soon as you reasonably can.
7
Prepare a stock / valuation statement
Invoices, certificates, weighment or valuation records supporting the declared value.
8
Survey / investigation where required
Particularly likely for high-value claims — cooperate fully with the insurer's process.
9
Submit claim documents
Once the survey (if any) is complete, submit the full claim document set.
10
Insurer assessment
The insurer reviews and assesses the claim against your policy terms.
Jewellers Block, jewellery-transit and gemstone-transit policies each carry their own conditions on security, transit method and declared value — we'll help you work through your specific policy's requirements. Report a Jewellery Incident →
Travel Emergency — what to do now
Do this now
Contact the insurer's/assistance provider's emergency helpline number on your policy first, where it's a medical emergency abroad.
Keep all medical bills, prescriptions and reports.
For lost baggage or documents, get a report from the airline or local police.
Avoid this
Don't pay large medical bills out-of-pocket without first checking if cashless assistance applies.
Coverage for trip cancellation, medical evacuation, and baggage delay varies by plan — contact AI Insurance One for help understanding your specific travel policy.
Cyber Incident — what to do now
Do this now
Isolate affected systems where possible to limit further damage.
Preserve logs and evidence — don't wipe or reinstall systems before your insurer's incident-response team has been consulted.
Notify AI Insurance One / your insurer promptly; many cyber policies require early notification and may have empanelled incident-response partners.
Avoid this
Don't pay a ransom or engage attackers without professional and legal guidance.
Cyber claims often involve regulatory notification obligations in addition to your insurance claim — we can help connect you with the right resources.
Business Loss / Liability Incident — what to do now
Do this now
Document the incident, affected assets or the third-party complaint in writing.
Notify AI Insurance One / your insurer as soon as reasonably possible — liability policies especially have strict notification requirements.
Keep any legal notice, correspondence or claim received from a third party — don't respond to it without guidance.
Avoid this
Don't admit liability or agree to a settlement with a third party before informing your insurer.
Business interruption, public/product liability and professional indemnity each have different notification and documentation requirements — we'll help identify what applies to your policy.
Other Claim — what to do now
Do this now
Note down what happened, when, and any supporting evidence (photos, receipts, reports).
Contact AI Insurance One with your policy number and a brief description — we'll route you to the right process.
Every policy type has its own claim process — get in touch and we'll point you in the right direction.
Claim journey
A typical claim moves through these stages. Online status tracking for your specific claim is coming soon — for now, we'll keep you updated directly.
Tell us what happened and we'll help you work through the process. This does not replace notifying your insurer directly where your policy requires it.