HDFC ERGO Bike Insurance Claim
HDFC Ergo has a great record of settling claims made by its policyholders. In the FY 2017-18, it featured an impressive claim settlement ratio of 89.23%. The insurer also provides round-the-clock customer assistance so that the policyholders can make hassle-free claims for their bike.
List of Documents Required During Claim Settlement
Following documents are required at the time of making a claim:
- Duly filled and signed claim form
- 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 Claim?
You can make a cashless claim for your bike with HDFC Ergo by following the below steps:
Step 1: Contact HDFC Ergo General Insurance and Register a Claim
Get in touch with HDFC General Insurance and share all the necessary details like location, time etc of the mishap/accident involving your bike and register a claim. You can either call their toll-free number 022-6234-6234/0120-62346234 or can visit their website to intimate and register a claim.
Step 2: Survey and Repair
After the registration of the claim, the insurer will send a surveyor to you to check the extent of the damages incurred by the bike in the mishap.
Step 3: Towing Service and Repairs
Tow your bike to the nearest garage authorised by HDFC General Insurance. You can also request the insurer to arrange for the towing service.
Step 4: Claim Settlement
The insurer will pay for the repair expenses at the garage apart from the deductibles. After this, you can take your bike home.
How To Make a Reimbursement Claim?
A reimbursement claim is made when the policyholder fails to take the insured bike to a garage authorised by the insurer and instead opts to get it repaired somewhere else. The process of placing a reimbursement claim is as follows:
Step 1: Contact the insurer and Register a Claim
Contact HDFC General Insurance and share all the necessary details like location, time etc of the mishap/accident involving your bike and register a claim. You can either call their toll-free number 022-6234-6234/0120-62346234 or can visit their website to intimate and register a claim.
Step 2: Get Survey of the bike done
The company will send a surveyor to check the condition of the bike before it is sent for repairs.
Step 3: Repair and Reimbursement
You can now take your bike to your desired garage and make the payment without any worry. After that, you need to submit all the documents asked by the company along with the bills and receipts to make the request for the reimbursement claim. Only after taking into account all the deductibles and depreciation amount the company finally disburse the amount.
Claim Rejection Reasons
There are certain conditions that the policyholder needs to fulfil when applying for a claim. There are some grounds on which claim on the insurance policy can be rejected such as
- Registration of a fraud claim
- Misinterpretation of facts
- Driving without licence or under influence of alcohol/drugs
- Lack of details required to process the claim
- Delay in intimation about the mishap to the insurer
- Act of negligence
HDFC ERGO Bike Insurance User Reviews
HDFC Ergo Bike Insurance Claim FAQs
Where can I get cashless service for my bike?
HDFC Ergo Insurance Company has more than 6,800 cashless garages all over India where the policyholders can avail cashless service. You can search for your nearest HDFC Ergo cashless garage at InsuranceDekho.
How can I register my claim for HDFC Ergo bike insurance?
You can register a claim for your HDFC Ergo bike insurance just by calling 022-62346234 or 0120-62346234. You can also make an online registration of the claim through the official website.
Do I need to file an FIR after an accident for claiming the insurance?
Yes, filing an FIR at the nearest police station is mandatory in case of an accident. A copy of FIR serves an important document for claiming the HDFC Ergo bike insurance.
Is the insurance claim process time-consuming?
No, the insurance claim process is not time-consuming as the insurer tries to process the claim at the earliest. Policyholders are advised to inform the insurer immediately about any incident or accident to avoid delays in the claim settlement process.
How can I check the updates on my claim?
The insurer will keep you updated with every step of the claim process by sending you messages on the mobile number registered with the policy. You can get the updates via mail as well.