> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ekho.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Making a claim

> Using the protection coverage you bought.

## Find your coverage first

Your protection products are in your portal, with their terms and documents. Check before doing anything else:

* **What is actually covered**
* **Your deductible**
* **Any limits**, such as a maximum number of claims per year
* **Who administers the plan** — often a third party, not your dealer

<Tip>
  Read the terms before calling. Knowing whether your issue is covered, and what your deductible is, makes for a much shorter conversation.
</Tip>

## Making the claim

<Steps>
  <Step title="Check it is covered">
    Wear and tear is usually excluded, and that is the most common reason a claim is declined.
  </Step>

  <Step title="Contact the administrator">
    Their details are in your plan documents in your portal.
  </Step>

  <Step title="Give them your policy details">
    Your plan number, the vehicle, and what has happened.
  </Step>

  <Step title="Get authorization before any work starts">
    <Warning>
      Do not have repairs done and then claim. Most plans require **prior authorization**, and unauthorised work is usually not reimbursed.
    </Warning>
  </Step>

  <Step title="Use an approved repairer">
    Many plans require it. Check before booking.
  </Step>

  <Step title="Pay your deductible">
    Where one applies, you pay it and the plan covers the rest.
  </Step>
</Steps>

## Tracking it

You can follow your claim's progress in your portal, and the administrator will keep you updated.

## Transferring coverage when you sell

Many plans are transferable, which is a genuine selling point on a used vehicle.

Check your plan documents for whether yours transfers and what the process is. There is sometimes a fee or a time limit after the sale.

## Help

For questions about a specific claim, contact the plan administrator, since they make the decisions.

For questions about which coverage you bought or finding your documents, contact Ekho support at [support@ekhodealer.com](mailto:support@ekhodealer.com).