Kaagazaat

Motor Own-Damage Claim Letter

At a glance

Price: Free, always.
Stamp duty: Punjab and Chandigarh: no stamp duty is payable.
Registration: Punjab and Chandigarh: not registrable.
Witnesses: Punjab and Chandigarh: no witness is needed.

Free

Free, always.

Free: up to 5 documents a day.

Guided questions, full draft on screen, download in Word.

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Also called

car accident insurance claim letter
own damage claim
vehicle damage claim to insurer
motor claim intimation
gaadi ke nuksan ka bima claim
वाहन क्षति दावा पत्र
मोटर बीमा दावा
ਵਾਹਨ ਨੁਕਸਾਨ ਦਾਅਵਾ ਪੱਤਰ

When you need it

Use this when your own car, two-wheeler or other vehicle has been damaged in an accident and you want your motor insurer to pay for the repair under the own-damage cover of a comprehensive policy. It gives the policy and vehicle details, the date, place and how the accident happened, who was driving, whether the police were told, where the vehicle is, how you want it repaired, and where to pay.

It asks the insurer to register the claim, send a surveyor, and give any deduction in writing. Tell the insurer at once, by phone or email, and send this letter soon after; a late claim may be questioned. Do not repair the vehicle before the surveyor has seen it, except to stop further loss. Take dated photographs. Papers usually asked for: the claim form, policy copy, registration certificate, driving licence of the driver, repair estimate, FIR where required, and a cancelled cheque. Check the policy for the time within which a claim must be made and for any excess you bear. Not for a stolen vehicle — use the Motor Theft Claim Letter and Indemnity. Not a claim for injury or death to a person — use the Motor Accident Claim Petition or the Personal Accident Claim Letter. Not a challenge to a rejected claim — use the Appeal Against Claim Rejection.

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You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

Punjab and Chandigarh: no stamp duty is payable. A letter asking an insurer to perform its own contract creates, transfers or ends no right, so it is not a chargeable instrument under the Indian Stamp Act, 1899. Plain paper is enough.

Registration

Punjab and Chandigarh: not registrable. It touches no immovable property, so section 17 of the Registration Act, 1908 does not reach it. Keep proof of the day it was lodged: the stamped copy, the email delivery receipt or the post receipt.

Notarisation

Punjab and Chandigarh: no notarisation is needed. If the insurer asks for a sworn statement, it will say which of its papers it wants sworn.

Witnesses

Punjab and Chandigarh: no witness is needed. The signatory signs alone.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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MOTOR OWN-DAMAGE CLAIM LETTER

A claim under a motor insurance policy for damage to the insured vehicle.

Date: 1 April 2026, at Ludhiana

TO:
The Claims Manager
ABC General Insurance Company Limited
Regional Office, SCO 25, Sector 17-E, Chandigarh 160017

FROM:
Harjinder Singh Gill
House No. 412, Sector 38-A, Chandigarh 160036
Phone: 98765 43210
Email: harjinder.gill@example.com

SUBJECT: Own-damage claim under policy no. P/141234/01/2026/003318 for vehicle PB 10 AB 1234

Sir / Madam,

1. THE POLICY AND THE VEHICLE

1.1 I am the insured owner of Maruti Suzuki Swift VXi, white, registration no. PB 10 AB 1234, insured with you under motor policy no. P/141234/01/2026/003318.

2. THE ACCIDENT

2.1 On 2 April 2026 the vehicle was damaged at Zirakpur-Ambala highway near the Baltana flyover. The car was moving slowly in traffic when a truck from behind hit its rear. The rear bumper, boot lid and tail lamps were damaged.

2.2 The vehicle was being driven by Harjinder Singh Gill, driving licence no. PB10 20190012345.

2.3 I reported the accident to the police. The reference is FIR No. 214 of 2026, Police Station Zirakpur.

2.4 I first told you of the accident on 3 April 2026. The claim number is MC/2026/118842.

3. WHAT I ASK YOU TO DO

3.1 Please register this claim, give me the claim number in writing, and appoint a surveyor to inspect the vehicle. The vehicle is at Authorised service centre, Industrial Area Phase 1, Chandigarh.

3.2 I ask you to arrange cashless repair at one of your network garages. The repairer's estimate is ₹48,500 (Rupees Forty Eight Thousand Five Hundred only).

3.3 I will not have the vehicle repaired before your surveyor has seen it, except for the steps needed to stop further loss.

3.4 Please tell me in one list every paper you still need, and the name and number of the officer handling the claim.

3.5 If you reduce or reject any part of the claim, please give me each deduction or reason in writing, with the clause of the policy you rely on.

3.6 The truck was PB 65 CD 7788; its driver gave his name as Gurdev Singh.

4. WHERE TO PAY

4.1 Please pay any amount due by transfer to the account held by Harjinder Singh Gill with HDFC Bank, Sector 40, Chandigarh, account ending 3391. I will give the full account number on your own form, not in this letter.

5. WHAT I CONFIRM

5.1 What I have written is true to the best of my knowledge. I will give you the papers listed below and let your surveyor inspect the vehicle.

6. PAPERS ENCLOSED

1. Claim form. 2. Policy copy. 3. Registration certificate. 4. Driving licence. 5. Repair estimate. 6. Photographs of the damage. 7. FIR. 8. Cancelled cheque.

Yours faithfully,

_________________________
Harjinder Singh Gill
Insured owner
House No. 412, Sector 38-A, Chandigarh 160036
Date: 1 April 2026

Questions about this document

Does the Motor Own-Damage Claim Letter need stamp paper or stamp duty in Punjab and Chandigarh?

Punjab and Chandigarh: no stamp duty is payable.

See the full position on stamp duty, registration and witnesses

Does the Motor Own-Damage Claim Letter need registration in Punjab and Chandigarh?

Punjab and Chandigarh: not registrable.

See the full position on stamp duty, registration and witnesses

What does the Motor Own-Damage Claim Letter cost on Kaagazaat?

Free, always.

Does the Motor Own-Damage Claim Letter need witnesses?

Punjab and Chandigarh: no witness is needed.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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