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Dhfl Bike Insurance Claim

DHFL Bike Insurance

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  • Cashless service at more than 400 network garages
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​DHFL Bike Insurance Claim

DHFL General Insurance has successfully insured its policyholders from the unfortunate events of life through its bike insurance policies. It has formulated a seamless claim settlement procedure to provide hassle-free experience to its policyholders.

DHFL General Insurance has established an efficient customer care service to guide the policyholders through the process. DHFL bike insurance policy has a simple and organized format for the online as well as offline claim settlement procedures.

List of Documents Required During Claim Settlement

The following documents are required at the time of settling a bike insurance claim:

  • Duly filled and signed claim form
  • Self-attested copy of Registration Certificate (RC)
  • Driving license of the person driving at the time of the accident
  • Policy copy
  • Original repair estimate, repair invoice and payment receipt for non-cashless claims
  • Original repair invoice for cashless claims.

How To Make a Cashless Bike Insurance Claim with DHFL Bike Insurance Policy?

DHFL General Insurance has introduced a claim settlement process for the bike insurance policy in the following simple steps.

Step 1: Contact DHFL General Insurance

It is essential to intimate the insurer within 24 hours of the accident, theft or damage of the insured’s bike. The policyholders can get in touch with DHFL General Insurance in the following ways:

  • By calling toll-free 1800 123 0004
  • By sending an email to
  • Through customer portal on website
  • Using its mobile App
  • By directly walking into the nearest branch.

Step 2: Register Claim

A representative of the insurance company contacts you after the intimation. You have to inform the company representative about the following details:

  • Name of insured
  • Contact numbers of insured
  • Policy number
  • Date and time of loss
  • Location of loss
  • Nature and approximate extent of loss
  • Place and contact details of the person at the loss location.

The representative provides you with a claim registration number marking that your claim has been successfully registered.

Step 3: Survey of Damages

A company surveyor is appointed who assesses the extent of the damages caused to the bike during the accident. The surveyor estimates the cost of repair and collects the duly filled claim form, policy documents and proves of the incident. In the case of third party property damage, provide its vehicle registration number. You can even provide contact details of witnesses if any as proof.

Step 4: Claim Settlement

After assessing all the aspects, the surveyor gives approval. The insurer confirms its financial and legal liabilities and pays all the expenses of repair of the insured’s bike to the garage. The claim amount is calculated taking the deductibles and depreciation into consideration.

How To Make a Reimbursement Bike Insurance Claim with DHFL Bike Insurance Policy?

A reimbursement claim can be registered if you fail to move the insured’s bike to the network garage or wish to repair it in any other garage. A reimbursement claim ensures compensation for the repair expenses of the insured’s bike. The process of registering a reimbursement claim has been elaborated in the following steps.

Step 1: Contact the insurer

The policyholder can get in touch with DHFL General Insurance in the following ways:

  • By calling toll-free 1800 123 0004
  • By sending an email to
  • Through customer portal on website
  • Using its mobile App
  • By directly walking into the nearest branch.

The policyholder should inform the insurer immediately after the incident be it accident, theft or damage of the insured’s bike.

Step 2: Register A Claim

DHFL General Insurance company executive calls you back after the intimation. You have to inform the executive about the policy number and other related information. You receive a unique claim reference number from the executive.

Step 2: Survey of the Damages Incurred

The insurance company appoints a surveyor to check the condition of the bike. The damaged bike should not be moved before the inspection. The surveyor produces an estimate of the cost of repair and collects the required documents, duly filled claim form and contact numbers of witnesses or photos of the incident as proof.

Step 4: Repair and Reimbursement

After the approval from the surveyor, you can move the bike to your desired garage and get it repaired at your own expense. After the completion of the repair, the bills and receipts of repair along with policy documents are to be submitted to the insurer for the reimbursement. The company verifies the case and disburses the claim amount factorizing all the deductibles and depreciation.

Common Claim Rejection Reasons

DHFL General Insurance has a set of specific conditions for the approval of the claim. The claim is rejected by the insurance company under the following circumstances:

  • Registration of a fraud Claim
  • Claiming wrong coverage amount
  • Misinterpretation of facts
  • Improper functioning of the vehicle parts
  • Driving without license
  • Intoxication
  • Lack of details required to process the claim
  • Delay in intimation about the mishap to the insurer
  • Act of negligence.

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DHFL Bike Insurance Claim FAQs

  • In case of a claim due to theft of the insured’s bike, do I need to transfer the Certificate of Registration of the stolen bike?

    Yes, if you are looking for a claim settlement due to the theft of the insured’s bike, you have to get the Registration Certificate transferred in the name of the company, hand over the keys of the vehicle, submit a letter of Subrogation and Indemnity on stamp paper duly notarized.

  • Do I need to carry my driving licence while claiming DHFL bike insurance?

    Yes, you need to carry your driving licence while claiming DHFL bike insurance policy. You should make sure that the driving licence is valid.

  • If I lodge a claim after the expiry of my policy date for an event that occurred during the policy period, will it still be valid under the DHFL bike insurance policy?

    If the accident had occurred before the expiry date, you can make a claim to your insurer even after the expiry of the insurance policy. The insurer is obliged to settle the claim as the mishap had occurred in the policy period.

  • Can I register a claim if the accident has occurred beyond the city limit?

    Every policy has its predetermined geographical limit. If the accident has occurred within the geographical limit as stated in the DHFL bike insurance policy documents, you can surely register a claim even if the location of the accident is beyond the city limits.

  • How long does DHFL General Insurance take to settle a bike insurance claim?

    DHFL General Insurance settles the bike insurance policy claim within 7 working days after receiving all the requested documents.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.