Grown from what businesses actually ask on the intake form and on the phone.
Yes, and it is most of what this desk does. Where another advisor or agent placed the policy we take the claim under a separate written engagement and work alongside them. You do not move your policy and you do not leave your advisor.
Yes. Running the claim is part of what an advisor is for, so there is no separate engagement and no separate fee. It is not a product we sell you afterwards.
The basis is agreed in writing before any work starts, so you know it before you commit. We do not publish figures, because what is fair depends on the claim, and a number quoted without the claim in front of it would be meaningless.
Possibly not. Time limits apply and they differ between the insurer's own grievance route, the Ombudsman and the courts. Send us the letter and the dates and we will tell you what is still open before you spend anything.
Usually yes, alongside them. Claims work and litigation are different jobs, and a properly built claim file makes the legal route shorter.
Someone from the desk calls the same working day. If a surveyor is already on the way, say so when you write and it moves up the queue.
No. We work on claims across India, and instruct assessors, engineers and valuers wherever the loss is. Most of a claim is documents and argument, and we travel to a loss site when the size of it warrants it.
There is no floor worth publishing. The question is whether the amount in dispute justifies the work, and that is a two-minute conversation rather than a rule.
No, and nobody honest can. What a policy pays is decided by its wording and the facts of the loss. We will tell you when we think a claim is weak, including when an offer already on the table is a fair one.
They are held to look at your claim and to act on it, and shared with the insurer and their surveyor only where you have asked us to pursue the claim. You can ask for them to be deleted at any time.
Whoever placed your policy, and whatever stage the claim has reached.