How the claim process works
A transparent, six-step journey — from notification to settlement.
- Step 1
Notify us
Call 111 845 845, WhatsApp 021 111 845 111, or email support@ublicare.com within 7 days of the incident.
- Step 2
Register your claim
We create a claim reference (CLM-XXXXXX) and share a secure upload link via email.
- Step 3
Submit documents
Upload the required documents for your line of business (see checklist below).
- Step 4
Survey & assessment
Our surveyor inspects the loss and shares an assessment report with recommended settlement.
- Step 5
Approval
The claim is approved as per policy terms — we notify you at each stage.
- Step 6
Settlement
Payment is issued directly to your bank account or the panel workshop / hospital.
Required documents
Select your claim type to view the checklist of documents we typically need.
Motor Claim — checklist
- Copy of CNIC of the insured
- Copy of policy schedule / cover note
- Copy of registration book / transfer letter
- Copy of driving license of the driver at time of loss
- FIR / Roznamcha in case of theft, snatching or 3rd-party loss
- Original repair estimate and photographs of damage
- Signed claim form
Frequently asked questions
Notify us as soon as reasonably possible — ideally within 7 days of the incident. For motor accidents, call our 24/7 helpline at 111 845 845 immediately before moving the vehicle.
Still need help?
Talk to a claim specialist any time — we're available 24/7.