Claims, Without The Confusion.
With MILES By Your Side.
When something goes wrong, knowing what to do matters. MILES helps clients navigate the claims process, coordinate with insurers and keep things moving from intimation through to resolution.
From Intimation To Outcome
A claim moves through a few clear stages. Step through them to see where MILES supports you and where the insurer's assessment takes over.
Claim Intimation
Notify MILES or the relevant insurer as soon as possible after an incident, in accordance with the terms and conditions of your policy.
- Share the basic details of the incident
- Provide your policy information
- Tell us when and where the incident occurred
- Preserve relevant evidence and documents
Claim Registration
Once the claim is notified, the required details are documented and the claim is taken forward with the insurer.
- Policy details are checked
- Incident information is recorded
- Relevant claim documentation is identified
- The claim is coordinated with the insurer
Documentation & Assessment
The insurer may require supporting documents, inspection, survey or other information to assess the claim, depending on the nature of the claim.
- Submit relevant documents
- Provide photographs, reports or invoices where applicable
- Cooperate with surveyors or assessors where required
- Respond to requests for additional information
Insurer Review
The insurer evaluates the claim against the applicable policy terms, conditions, exclusions and supporting information.
- The insurer reviews the submitted information
- Additional clarification may be requested
- MILES can assist with communication and coordination
- Claim decisions remain subject to the insurer's assessment and policy terms
Claim Outcome
The insurer communicates the outcome of the claim based on its assessment and the applicable policy terms.
- Outcomes can include approved, partially approved or declined
- MILES can help you understand the insurer's communication
- MILES can assist with next steps where applicable
A Quick Claims Checklist
A few things that help keep the process smooth, from the first notification onward.
Know Your Policy
Keep your policy number, coverage details and insurer contact information easily accessible.
Intimate Promptly
Notify MILES or your insurer as soon as reasonably possible after an incident, as required under your policy terms.
Keep Documents Ready
Gather relevant evidence — photographs, reports, invoices or other supporting information — as early as you can.
Stay In Touch
Respond promptly to requests from MILES or the insurer to help keep your claim moving.
When A Claim Happens, You Don't Have To Navigate It Alone.
From claim intimation and documentation to communication with the insurer, MILES can assist clients throughout the claims journey.
Provides information, documents and incident details.
Assists with claim coordination, documentation, communication and follow-up.
Assesses the claim and determines the outcome according to the policy.
Support That Goes Beyond Placing A Policy
Claims support is part of what MILES does for clients, not an afterthought.
Claims Guidance
Clear explanation of what to expect and what's needed at each stage of the process.
Claim Coordination
MILES liaises between you and the insurer so information moves where it needs to go.
Document Support
Help identifying, organising and submitting the documentation your claim requires.
Follow-Up
Ongoing follow-up with the insurer so your claim doesn't lose momentum.
Backed By Experience Across Insurers And Industries
Claims, Made Clear.
Answers to common questions about navigating an insurance claim.
What should I do immediately after an incident?
Note down what happened, preserve any relevant evidence, and get in touch with MILES or your insurer as soon as reasonably possible, in line with your policy terms.
How do I intimate a claim?
Contact MILES with your policy details and a summary of the incident. We can help you notify the relevant insurer and take the next steps.
What documents may I need for a claim?
This depends on the nature of the claim, but commonly includes a copy of your insurance policy, a detailed explanation of the cause of loss, and any relevant photographs or videos. Depending on the claim, insurers may also request a witness statement, weather data for weather-related losses, purchase invoices or replacement-value quotations for damaged items, a completed claim form with supporting invoices, KYC documents (such as GST certificate, PAN, Aadhar and a cancelled cheque), and records such as an Annual Maintenance Contract or fixed asset register. MILES can help you understand exactly what applies to your claim.
How does MILES assist during the claims process?
MILES can help with claim intimation, documentation, coordination and communication with the insurer, and follow-up throughout the process.
Who decides whether a claim is approved?
The insurer assesses the claim based on the policy terms, conditions, exclusions and supporting information and determines the applicable claim outcome.
How long does a claim take to settle?
Claim timelines vary depending on the nature and complexity of the claim, the documentation required and the insurer's assessment process. As a general guide, once all required documents have been submitted and verified by the surveyor, claims are typically settled within about 15 days, though this can vary depending on the insurer and the specifics of the claim. MILES can assist with communication and follow-up throughout.
What happens if the insurer asks for additional documents?
This is a normal part of the assessment process. MILES can help you understand what's being requested and coordinate getting it to the insurer.
Should I send documents directly to the surveyor?
Once a surveyor is appointed, they will usually share a list of documents required for your claim. We recommend keeping MILES informed and copied before sending any documents directly to the surveyor, so we can help review, track and coordinate what's being shared on your behalf.
What if I disagree with a claim decision?
Speak with your MILES relationship team so the decision and available next steps can be understood. Formal grievance or escalation processes may also be available depending on the insurer and applicable regulations.