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When the accident happens,
will you know what to do?

Most claims get rejected not because of the policy — but because nobody knew what to do in the first hour. This free SOS card fixes that in 60 seconds.

🚛
2 AM on NH-65. Your lorry just got hit.
Does your driver know the helpline? Is load covered under GIT?
🏥
Father collapses. Nearest hospital is 10 mins away.
Is it a cashless hospital? Which documents does your policy need?
🚗
Someone hits your car and drives away.
Do you call the insurer first — or file FIR first?
61%don't know their helpline by heart
38%claim rejections from procedural errors
24 hrswindow to register most vehicle claims
Takes 60 seconds · No account needed · Works for any insurer
⚡ Why this card exists Most claims fail on procedure, not policy. The card gives your driver — or your family — the exact steps before panic sets in. Now supports multiple policies on one sheet.
20+Insurers
supported
5Policy
types
MultiBundle all
policies
₹0Free
forever
The real problem

Your policy is fine.
Your procedure is the problem.

Most claim disputes don't arise from exclusions in your policy. They arise from procedural mistakes made in the first 24 hours after the incident — mistakes that are entirely preventable with one printed card.

₹4.2L
Lost — because the vehicle was moved
A Hyderabad transport owner's lorry met with an accident on NH-65. The driver moved it off the road before photos were taken. The insurer's surveyor found no evidence of the scene. Claim rejected. The policy was valid. The procedure wasn't followed.
24 hrs
The window most people miss
Most commercial vehicle and car insurers require claim registration within 24 hours of the incident. Waiting until morning, or until you're back in the city, or until you find the policy document — these delays alone have caused thousands of valid claims to be denied.
60 sec
That's all the SOS card takes
One card in your dashboard or wallet tells your driver — or your family — exactly what to do in the first hour. The helpline number. The policy number. The five steps. No searching, no panic, no procedure errors.
Why procedure beats policy

The mistakes happen
before the claim form

When an accident happens — whether it's a lorry on a national highway at 2 AM, a car in a parking lot at noon, or a health emergency far from home — the policyholder enters a state of shock. In that state, they make procedural mistakes that their insurer will later use as grounds for rejection.

The vehicle is moved before photographs are taken. The FIR is delayed because the driver wasn't sure if it was needed. The non-network hospital is chosen because it was closest. The helpline is called only the next morning because nobody had the number saved.

"The driver had insurance. He just didn't know what to do in the first hour. And that hour cost him everything."

None of these are coverage gaps. All of them are procedure failures — and all of them are preventable with one printed card kept in the dashboard or wallet.

01
Moving the vehicle before photos
The surveyor must see the scene. If the vehicle has been moved before inspection, the insurer cannot verify the circumstances. Claim denied.
SOS card step 2 prevents this
02
Not filing FIR within 24 hours
For third-party claims, theft, or damages above ₹1 lakh, FIR is mandatory. Delayed FIR is routinely used to deny claims on procedural grounds.
SOS card step 3 prevents this
03
Going to a non-network hospital
Cashless benefit only applies at network hospitals. Choosing the closest non-network hospital means full reimbursement paperwork — which most families miss.
SOS card step 1 prevents this
04
Missing the claim registration window
Most vehicle insurers require claim registration within 24 hours. Waiting until the next business day, or until you return to the city, can void your claim entirely.
SOS card step 1 prevents this
Real situations

When the card saves you —
exactly when you need it

🚛
2:14 AM · NH-65
Your lorry just got rear-ended. The driver calls you in a panic.
Does he know the helpline? Is the load covered under Goods-in-Transit? Should he move the vehicle before photos? Does he need to file FIR tonight?
The card answers all four in 10 seconds
🏥
Afternoon · Unknown city
Your father collapses while travelling. The nearest hospital is 8 minutes away.
Is it a cashless network hospital? What documents should your mother carry? What's the helpline for pre-authorisation? Will they need to pay upfront?
The card has all of this in your wallet
🚗
Evening · City traffic
Someone hits your car and drives away. You're shaken.
Do you call the insurer first — or file FIR first? Do you move the car? Do you need a witness? Is your zero-dep active or not?
Procedure in your hand, not in your head
Real stories

People who had the card when it mattered

★★★★★

My lorry met with an accident on NH-65 at 2 AM. I had the card in my dashboard. Called the helpline immediately, surveyor arrived by morning. Claim settled in 11 days.

🚛
Venkat Reddy
Transport owner · Hyderabad
★★★★★

Father had a cardiac episode while travelling. The card showed the helpline and exactly which documents to carry. Cashless admission completed in under 2 hours.

🏥
Priya Nambiar
Software professional · Bengaluru
★★★★★

Someone hit my car and fled. The card told me: photos first, then FIR, then helpline. Followed exactly. Full own damage claim came through without a single issue.

🚗
Arjun Malhotra
Business owner · Pune
Generate Your SOS Card
Single policy or bundle multiple — all on one printable sheet.
Card mode
Single policy
One card, one policy
Multiple policies
Bundle all on one sheet
Fill each policy below and click + Add to bundle. Generate when all are added. Your name and phone apply to all cards.
Policy type
🚛Commercial
🏥Health
🛡️Life/Term
🚗Car
🏍️Bike
Auto-filled — verify on your policy document before printing
✓ Own Damage ✓ IMT-23 ✓ Goods-in-Transit ✓ Third Party ✓ Driver PA ✗ Engine Protect
Bundle0 policies
No policies added yet — fill the form above and click Add to bundle
Your card will look like this
🚛 Commercial Vehicle Insurance
Your Name
CoverCredit · covercredit.in · +91 78428 54466
SOS
Claims helpline — 24×7
1800-XXX-XXXX
Your Insurer
Keep in dashboard
Vehicle
TS 09 AB 1234
Type
Lorry HCV
Policy no.
POL-12345
Expires
31 Mar 2027
✓ Own Damage✓ Third Party ✓ GIT✓ IMT-23 Engine Protect
In an emergency — do this immediately
1
Call helpline immediately
Call 1800-XXX-XXXX — give policy no. POL-12345
2
Do not move the vehicle
Take 20+ photos of all damage before anything is moved. Surveyor must see the scene.
3
File FIR at nearest police station
Mandatory for claims above ₹1 lakh or third-party damage. File within 24 hours.
4
Note witnesses
Get name & phone of anyone who saw the accident. Vital for disputed claims.
covercredit.in/sos-card
+91 78428 54466
Fill your details on the left and click Generate — your real card replaces this preview
How it works

Ready in 60 seconds.
Useful for a lifetime.

01
🎯
Choose single or bundle
One policy or multiple — lorry, health, life, car all on one sheet
02
✍️
Fill your details
Name, insurer, policy number, helpline, covers — takes under a minute
03
🆘
Card generates live
Your personalised card with emergency steps appears instantly
04
📲
Download or WhatsApp
Download as PNG image or send directly to your driver on WhatsApp
Common questions

Everything you need to know

What should I do immediately after a vehicle accident in India? ▾
Call your insurer's claims helpline within the first hour — most insurers require registration within 24 hours. Photograph all damage before moving the vehicle. Do not move the vehicle until the surveyor arrives. File an FIR if third-party damage is involved or if damages exceed ₹1 lakh. Never admit fault at the scene.
Why do vehicle insurance claims get rejected in India? ▾
Most rejections are procedural, not policy-related. Moving the vehicle before the surveyor, failing to file FIR within the required window, getting repairs done at a non-network garage, not registering the claim within 24 hours, or not having the right documents. The SOS card prevents all five.
How does cashless health insurance hospitalisation work? ▾
Go directly to a network hospital — call your insurer's helpline to confirm the nearest one before you leave. At the admission desk, identify yourself as a cashless policyholder and show your insurance card plus Aadhaar. Pre-authorisation is typically approved in 2–4 hours. You pay nothing upfront for covered expenses.
What is IMT-23 and do I need it for my lorry? ▾
IMT-23 is an endorsement that extends commercial vehicle insurance to cover goods carried in the vehicle itself — the body, tarpaulin, ropes, accessories. Without IMT-23, if the lorry body or its equipment is damaged in an accident, the claim for those items will be rejected. Most fleet owners who discover they're missing IMT-23 do so only after a rejection.
Can I generate cards for multiple policies? ▾
Yes — select "Multiple policies" mode at the top of the form. Fill each policy individually and click "Add to bundle." You can add up to 5 policies across different types — a lorry, a car, and a health policy can all go on one sheet. The bundle downloads as a PNG image you can print or WhatsApp.

Not sure if your covers are actually right?

Many policyholders discover missing covers — IMT-23, GIT, zero dep — only when a claim is rejected. Our advisors check your policy for free. No obligation, 15 minutes.

📅 Free Policy Review📞 +91 78428 54466