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Crop or home insurance not paid after damage
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- What kind of insurance? Travel, home or other
Papers to gather
- Policy document with schedule, terms and all renewal certificates
The wording decides most disputes. Where: Insurer portal, email. - Claim form and acknowledgement with date
Answers "late claim" objections. Where: Your records.
You may also need, depending on your answers
- Proposal form (application) — ask the insurer for a copy — Central to non-disclosure rejections.
- Rejection / settlement letter with reasons — What you must answer.
- Doctor's certificate on when the illness began — Answers pre-existing disease objections.
- Driving licence, RC and permit valid on the accident date — Answers licence objections.
- Grievance complaint and insurer's reply — Needed for Ombudsman.
- File a written grievance with the insurer and keep the reference — First step before Ombudsman.
What the law says
Complain first to the insurer's grievance officer. If not resolved, you can approach the Insurance Ombudsman (free) or a consumer commission. IRDAI rules set timelines for claim decisions.
General information, not legal advice.
Saboot will also ask
- What happened to the claim?
- What reason did they give?
- Have you complained to the insurer's grievance cell in writing?
Similar situations
- Health insurance rejected my claim for a pre-existing disease
- Hospital says cashless not approved
- Insurer paid much less than my hospital bill
- Claim stuck for months with no decision
- Car insurance rejected because of driving licence
- Car stolen and insurer is delaying
- Life insurance claim rejected after a death
- Claim rejected because I told them late
Sources
The full guide: Insurance claim rejected, delayed or underpaid · All situations