Comprehensive cover · 6 min read

AC claim: what to check in the policy before repair

The short answer: Before repair, check the policy variant, excess, settlement model and required approvals; the current policy terms and claim documents control the next step.

The short answer

Before repair, check the policy variant, excess, settlement model and required approvals; the current policy terms and claim documents control the next step.

Repair variant and parts

Policy terms may define the calculation method, parts route, workshop conditions or excess. Do not assume one policy works like another.

Deadlines and approvals

Check notification, inspection and repair-start obligations. A financed vehicle may require an additional approval.

Review before accepting the vehicle

Discuss the documents, repair scope and settlement model before work begins. The possible service route depends on the actual policy.

This is general information, not a decision on a specific claim

This is general information, not a decision on a specific claim. The right next step depends on the documents, damage and insurer’s position.

Tell us what happened

Want to discuss your case?

At first, basic details about the accident, vehicle and visible damage are enough. Documents can be shared later through an agreed secure channel.

Do not send documents or sensitive data in the first step.