Fees & Policy – Myhavu

Fees , Terms and Conditions

Claim Registration Fee:
- A registration fee of ₹250 (plus applicable GST) applies for a single claim only.
Success Fee/Commission:
- For every successful claim settlement, we charge a commission of 1% of the settled amount or ₹750, whichever is lower (plus applicable GST). This payment must be made within 24 hours of receiving the claim settlement amount.
Claim Authenticity:
- We exclusively process genuine motor insurance claims.
Fraudulent Claims:
- We maintain a zero-tolerance policy and will never entertain fraudulent claims.
Settlement Authority:
- The settlement of all insurance claims is at the sole discretion of the insurance company.

⁠Claim Referrals:
- We refer claims exclusively to the best and nearest HāVU-associated workshops within our network.
Scope of Claims:
- We deal strictly with motor Own Damage (OD) claims only.
Excluded Claims:
- We do not deal with Personal Accident (PA), Third-Party (TP), or Motor Accident Claims Tribunal (MACT) claims.
Settlement Responsibility:
- The settlement of all insurance claims is at the sole discretion of the insurance company. HāVU’s role is limited to providing support services, not final settlement decisions.

1.⁠ ⁠Mandatory Original Documents:
- The following original documents must be submitted by the Registered Owner (RC owner) to process the insurance claim settlement:
Registration Certificate (RC)
Insurance Policy
Aadhaar Card (or other valid identity proof)
Driving License (DL)
⁠Bank Passbook (or cancelled cheque for NEFT/RTGS)
Permit (if applicable to the vehicle type)
Fitness Certificate (if applicable)
General Diary (GD) Entry
First Information Report (FIR) (if applicable)

2.⁠ ⁠Documentation Preparation Fee
- If HāVU personnel are required to prepare or assist in obtaining any documents, a service charge will apply:
- Fee Structure:
- The client will be charged the actual cost of the documents/fees incurred, plus a service fee of ₹250 per instance.

3.⁠ ⁠Ethical Conduct
- Zero-Tolerance for Fraud: HāVU maintains a strict policy and will never entertain any bribe, forgery, or fraudulent activity for any claim proceedings.