Windshield Insurance Claims

About Insurance

At AIS Windshield Experts, we have tie-ups with most major Insurance companies for the convenience of our customers. You can expect hassle-free claims for your car glass repair and replacement.

We urge you to carefully deliberate the best process to fix your broken car glass. Compare the prices of the service as opposed to the comprehensive deductible (what you have to pay out of pocket). If the deductible is higher than the cost of car glass crack repair in total, the better decision would be to pay for the service yourself.

Some insurance companies even waive off the deductible for car glass chip repair services.

However, this is your decision, please consult with your insurance agent beforehand to get the best deal.


Documents Required

To facilitate the process for an insurance claim, you need to carry a certain set of documents along with you when you visit our service center.

Please do not forget to carry original documents along with 2 sets of photocopies.


Passenger Vehicle

  • RC book/Smart card.
  • Comprehensive insurance policy document.
  • Valid driving license.
  • If the vehicle is in the company name, then a rubber stamp of the company will be required on the claim papers.

Commercial Vehicle

  • RC book/Smart card.
  • Comprehensive insurance policy document.
  • Valid commercial driving license along with batch code.
  • If the vehicle is in the company name, then a rubber stamp of the company will be required on the claim papers.
  • Route permit.
  • Fitness Certificate.
  • Road Tax Paid receipt copy.

Note- Documentation formalities vary with various insurance companies.

Please do call up our helpline for more details

Insurance FAQ'S

Car Insurance is a protection against losses that arise due to legal claims made by a third party in case of an accident caused by you, or losses that arise as a result of manmade/natural calamities to you, your vehicle, and co-passengers.

Yes. It is mandatory under the Motor Vehicles Act 1988 to get your car insured as soon as you purchase it.

There are two types of car insurance: Third Party Insurance and Comprehensive Insurance.

Third-Party Insurance protects a policyholder against losses that arise due to bodily injury/death to a third party or any property damage. It is mandatory by law to have Third Party Insurance.
However, this Insurance does not protect you against losses that arise due to bodily injury/death to you, your vehicle, and co-passengers. If you want to be compensated for any damages to you, your co-passengers, and your vehicle in addition to third-party coverage, it is advisable to purchase Comprehensive Car Insurance.

Comprehensive Car Policy is better, as it provides both third party coverage and damages/losses to one’s vehicle, co-passengers, or self.

You must tell your insurer everything relevant to your insurance. If you do not, you risk having your policy getting void or being uninsured, without any cover. Insurers need to know your details, your driving history, car user, car details, and location.

Insurance companies work with different statistics and use different methods to calculate premiums. Some companies are specialized in certain areas or types, and so, are prepared to give discounts in those areas. This adds to the complexity as various companies yield varied prices.

  • Make and model of the vehicle
  • Year of manufacture
  • Place of registration
  • Current showroom price of the vehicle
  • Whether the client is an individual or a corporate
    The principal insurance amount and its subsequent premium also vary according to the price of the vehicle.

If you do not receive your Insurance Certificate right away, you will receive a Cover Note. It is a temporary insurance document establishing proof of Insurance, which allows you to register your vehicle with it.

The Cover Note is valid for 60 days from its date of issue, after which it is replaced by the actual policy document and certificate.

Legal Liability covers the legal compensation that might have to be paid if a third-party file any case against the driver for damage, loss, or fire. The driver is covered for a sum equal to his salary for the policy period. It also covers accidents and occupational diseases.

Yes. The person buying a policy need not be the owner; anyone can purchase insurance on behalf of the insured.

Yes, provided it is renewed between the period starting 2 months before expiry and 6 days after expiry of the previous policy.

It does not matter where the accident takes place. If your motor insurance policy is in effect, you remain insured throughout the country.

This practice varies from company to company. Most companies offer a cashless claim service whereby you do not have to pay for the repairs; the company handles them directly. In case you choose the non-cashless service, you are reimbursed once all the repairs have been completed and the bills have been submitted to the insurance company. In such cases, if you are unable to pay the entire charge, you need to inform the insurance representative and the insurer will make the balance payment.

Certificate of Insurance proves that the vehicle owner has valid car insurance. You can claim insurance only if the vehicle is registered to you, i.e. you are the owner of the vehicle. The insurer has to be intimated to make the endorsement accordingly. If the certificate is defaced, mutilated, or lost, you can get a duplicate certificate by paying a fee and producing an affidavit stating the need for the duplicate.

A driving license proves that the driver is authorized to drive a particular type of vehicle. Further, it is a penal offense to drive without a valid license. If you are just learning to drive, you must have a learner’s license.

Certificate of Registration proves that a motor vehicle has been duly registered to you by the Indian Motor Vehicle Act, 1988. You are required by law to carry the Registration Certificate or an attested copy in your vehicle at all times.

Car Insurance does not cover consequential loss, depreciation, wear, and tear, mechanical and electrical breakdown, war perils, drunken driving, or vehicle driven by someone else other than the driver stated in the driver’s clause. The insurance also does not cover failure or breakage when the vehicle is used outside the geographical area.

Voluntary excess is the client’s option to opt for bearing a certain amount of loss from every claim. When the vehicle owner opts for this option, insurance companies allow a discount on the premium.

No Claim Bonus is a reward that is given to you, for not taking a claim in your last policy period. Discount % is mentioned below-

NCB Slabs

Years Slabs*
1 0%
2 20%
3 25%
4 35%
5 45%
6 50%

It is recommended to check your NCB before taking an insurance claim.

*On each slab, the insurer gets the specified % discount on the Own Damage Premium.

Toll-Free 1800-102-6364



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