About Us

Motor Insurance Survey is one of the most frequently required assessment services in the general insurance industry. At Velocity Insurance Surveyors, we conduct thorough on-site inspections of vehicles involved in accidents, collisions, thefts, or natural calamities. Our licensed surveyors visit the accident spot, towing yards, garages, or workshops to examine the extent of damage to both the vehicle structure and internal components.

We prepare detailed survey reports that include photographic evidence, estimated repair costs, parts replacement analysis, and assessment of whether the damage is accidental, intentional, or due to wear and tear. Our reports help insurance companies make fair and quick claim settlement decisions. We handle all categories of vehicles including private cars, two-wheelers, commercial trucks, buses, and three-wheelers.

Our surveyors are trained to identify fraud cases such as prior damage claims, staged accidents, and inflated repair estimates. We ensure that every assessment is unbiased, transparent, and compliant with IRDAI guidelines, protecting the interests of both the insurer and the policyholder.

Fire Insurance Survey involves detailed assessment of properties, buildings, factories, warehouses, and commercial establishments that have suffered fire damage. Velocity Insurance Surveyors dispatches qualified surveyors to the affected site to evaluate the cause of fire, extent of damage, and total financial loss. Our team examines structural integrity, damaged inventory, machinery, electrical systems, and any salvageable assets.

We document the entire site with photographs, videos, and sketches, and cross-verify the claim with fire department reports, fire brigade dispatch records, and policy terms. Our surveyors are experienced in determining whether the fire was accidental, electrical, chemical, or suspicious in nature. In cases of suspected arson or fraud, we coordinate with forensic experts and investigation agencies.

Our fire loss assessment reports include itemized damage breakdown, replacement cost estimates, depreciation calculations, and salvage value assessment. We ensure that the claim amount is fair, justified, and in line with the policy coverage, helping insurance companies process settlements efficiently while protecting genuine policyholders from underpayment.

Marine Insurance Survey covers the assessment of goods, cargo, vessels, and shipments that suffer damage or loss during transit by sea, air, or land. Velocity Insurance Surveyors provides comprehensive marine survey services including pre-shipment inspection, cargo damage assessment at ports, container condition surveys, and hatch surveys for vessels carrying bulk cargo.

Our marine surveyors inspect damaged cargo at ports, container freight stations, warehouses, and consignee premises. We assess the nature of damage — whether caused by seawater ingress, rough weather, improper packing, contamination, pilferage, or handling negligence. We verify shipping documents, bill of lading, mate's receipts, and container seal integrity to establish liability and determine the extent of loss.

We also conduct hull and machinery surveys for ship owners and underwriters, assessing vessel condition, structural damage, and machinery breakdown. Our reports are accepted by all major marine insurance companies in India and include detailed findings supported by photographic evidence, surveyor notes, and compliance with Institute Cargo Clauses and Marine Insurance Act provisions.

Health Claim Survey involves verification and assessment of health insurance claims to ensure that the treatment availed by the policyholder is genuine, necessary, and covered under the policy terms. Velocity Insurance Surveyors conducts hospital visits, patient interviews, and medical record verification to validate the authenticity of health insurance claims submitted to insurance companies.

Our surveyors visit the hospital or healthcare facility where the patient was treated to verify admission and discharge dates, treatment procedures, diagnosis reports, surgical records, and billing details. We cross-check whether the claimed amount matches the actual treatment provided, identify any unnecessary investigations or procedures, and ensure that the hospitalization was medically justified as per the policy conditions.

We also investigate suspected cases of fraudulent claims including fake hospitalization, inflated bills, pre-existing disease concealment, and cashless claim manipulation. Our detailed health survey reports help insurance companies prevent leakage and ensure that genuine policyholders receive timely and fair claim settlements without any hassle or delay.

Engineering Insurance Survey covers the assessment of machinery breakdown, equipment failure, and industrial accidents covered under engineering insurance policies such as Machinery Breakdown, Boiler & Pressure Plant, Electronic Equipment, and Contractors' All Risk policies. Velocity Insurance Surveyors deploys engineering-qualified surveyors to inspect industrial plants, manufacturing units, and project sites.

Our surveyors examine the failed or damaged machinery, identify the root cause of breakdown — whether due to mechanical failure, electrical fault, human error, or external factors — and assess the extent of damage and repair or replacement cost. We inspect boilers, turbines, transformers, CNC machines, electrical panels, and all types of industrial equipment with technical precision.

We also conduct loss of profit surveys for business interruption claims arising from machinery breakdown, assessing the financial impact of production downtime. Our engineering survey reports include technical analysis, cause-of-failure determination, repair cost estimation with supplier quotations, and depreciation calculations as per the policy schedule, ensuring accurate and scientifically backed claim assessments.

Property Loss Survey involves the assessment of damage to residential, commercial, and industrial properties caused by fire, flood, earthquake, storm, burglary, or any other insured peril. Velocity Insurance Surveyors conducts comprehensive property inspections to evaluate structural damage, content loss, and business interruption impacts for property insurance claims.

Our surveyors visit the affected property to document the damage through photographs, measurements, and detailed notes. We assess damage to walls, roofs, floors, doors, windows, electrical installations, plumbing systems, and interior finishes. For content loss, we verify inventory lists, purchase invoices, and assess the replacement cost of damaged household or commercial items including furniture, electronics, and stock-in-trade.

We also handle burglary and theft claims by inspecting the point of entry, assessing security arrangements, verifying police FIR details, and preparing an inventory of stolen items with their estimated values. Our property loss reports include a complete damage assessment with itemized loss statements, depreciation calculations as per policy terms, and salvage evaluations, enabling insurance companies to settle claims accurately and promptly.

Crop Insurance Survey is a specialized assessment service required under government-sponsored crop insurance schemes such as Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS). Velocity Insurance Surveyors conducts crop cutting experiments (CCE) and field-level assessments to determine actual crop yield versus expected yield for claim settlement.

Our trained crop surveyors visit designated survey numbers in affected villages to conduct scientific crop cutting experiments during the harvesting season. We measure the actual yield from selected plots, verify crop variety, assess crop damage due to drought, flood, pest attack, or disease, and compare the results with the threshold yield defined for the area. The data collected is used to calculate the indemnity payable to insured farmers.

We work closely with state agriculture departments, insurance companies, and local authorities to ensure timely completion of CCEs within the prescribed timelines. Our crop survey reports include plot details, GPS coordinates, crop stage observations, damage percentage, yield calculations, and photographic evidence, ensuring transparency and accuracy in claim assessment for the benefit of farming communities.

Risk Assessment and Inspection is a pre-policy service conducted to evaluate the risk exposure of a property, business, or industrial unit before an insurance company issues a policy or renews coverage. Velocity Insurance Surveyors provides comprehensive risk inspection services to help insurers make informed underwriting decisions and determine appropriate premium rates.

Our risk surveyors visit factories, warehouses, commercial buildings, hospitals, hotels, and other establishments to assess fire protection systems, electrical installations, structural safety, housekeeping standards, storage practices, hazardous material handling, and security arrangements. We evaluate compliance with fire safety norms, building codes, and regulatory requirements, and identify potential hazards that could lead to future claims.

Our risk assessment reports include a detailed risk score, hazard identification, vulnerability analysis, and practical recommendations for risk mitigation such as installing fire extinguishers, sprinkler systems, burglar alarms, and improving electrical safety. These reports help insurance companies price the risk accurately, impose necessary conditions or warranties, and assist the insured in reducing their risk exposure, ultimately leading to lower premiums and fewer claims.