How a claim moves through Triyan, step by step

The steps, in order

1. The insurer files the claim. In the Insurer Portal: the policy, the vehicle, the garage holding it. The routing agent ranks the available surveyors for that claim; a person at Triyan makes the assignment.
2. The garage sends its papers. From the Workshop Portal, the garage uploads the estimate, the claim form, RC, driving licence and policy copy straight onto the claim. The claimant can also be sent a secure link to photograph the vehicle and documents.
3. 1 · Documents. The document reader extracts the details from each document. The surveyor sees every value next to the document it came from.
4. 2 · Photos. Photographs are sorted into the shots the report needs, the damaged areas are marked, and each photo's recorded time and place are checked against the accident.
5. 3 · Final Report. The policy, vehicle, driver, accident and survey details are filled from the documents. The surveyor confirms or corrects every field.
6. 4 · Assessment. The estimate and bill are read into the assessment sheet, part by part. Depreciation, GST and totals are calculated as the surveyor works; the policy and cost agents flag anything unusual.
7. 5 · Work Approval. Generated from the assessment and delivered to the garage's portal, where its acknowledgement is recorded.
8. 6 · Invoice. The firm's fee invoice is built from the claim, and the GST on it is checked.
9. 7 · Checklist. A final list of what the report needs: the documents the surveyor has said were verified must be on file.
10. 8 · Generate and submit. The compliance agent checks rates and lines; the surveyor reviews the documents and signs. The insurer downloads the report and invoice from its portal, and can raise a query against them there.

Or surveyed remotely, with AISurvey

For small claims under ₹50,000, the vehicle does not have to wait for a site visit. Triyan sends the owner a remote capture link: a secure, single-use link they open on their phone, with no app and no account. It walks them through the same shots a surveyor would take and records a short walkaround video. Still frames are pulled from the video and read with the photographs — the AI video-assisted assessment — and the assessment is built exactly as for any other claim. A reviewer then checks the AI's draft and confirms it; only after that is the Video Assisted Assessment Report generated.

What one claim produces

Triyan has nine report engines: the Motor Final Survey Report, the Spot Survey Report, the MUL Bill Check, the Hindi Motor Requirement Letter, the IDV / Valuation Report, the Nil Depreciation Claim Report, the RTI Net of Salvage Liability report, and for AI surveys the AI Assessment Report and the Initial Loss Assessment. They are all built from the same claim, so changing one line updates every report that uses it. You can see page one of a sample report on the product page.

A worked example: a rear-bumper claim

A hatchback is reversed into a pole. The rear bumper is cracked, a metal bracket behind it is bent, and the boot lid needs repainting. The car is two years and three months old, its engine is under 1,500 cc, and the garage's estimate comes to ₹13,000 before tax.

The garage uploads the estimate and photographs from its portal. The document reader fills in the vehicle and policy details, and the policy reader notices whether the policy carries zero-depreciation cover. That one fact changes the answer, which is why it is read from the policy and not guessed from the photographs:

The surveyor sees each of these figures with the rule it came from, adjusts anything that does not match what they saw on the vehicle, and signs. For how the rates work, see depreciation and IMT-23, explained.