TATA AIG Bike Insurance Claim
TATA AIG bike insurance has assisted thousands of people to drive their bike without any worries. It has an impressive claim settlement ratio of 91.52% in FY 2017-2018 which itself reflects its efficiency in settling the claim seamlessly.
TATA AIG bike insurance provides protection against all the uncertainties of life. It has set up an active customer care service that provides assistance whenever required. Moreover, it has digitized the claim settlement procedure to save the time of its policyholders. This article contains the procedure of claim settlement to facilitate the policyholders.
List of Documents Required During Claim Settlement
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 Claim with TATA AIG Bike Insurance?
TATA AIG provides free repair and replacement of the insured’s bike in its network garages. To save the expense of damage to insured’s bike, these are the simple steps that you should follow.
Step 1: Contact the insurer
It is necessary to inform the insurer immediately after the incident, be it theft, accident or any damage to the bike. You can initiate the process by calling their toll-free number 1800 119966 or by sending the SMS “CLAIMS” to 5616181. In case of an accident, note down the number of the other vehicle. Collecting the details of the witnesses can help in the claim settlement process.
Step 2: Register Claim
The claim representative of the company contacts the policyholder within 48 hours of intimation. You need to inform him about the incident, your details and other relevant information. The representative guides you through the procedure. You have to download the claim form and fill up the details as well.
Step 3: Survey of Damages
A surveyor is sent by the insurance company to assess the extent of the damages caused to the bike during the accident. You have to hand over the documents and duly-filled claim form to the surveyor.
Step 4: Claim Settlement
Assessing all the aspects, the insurer confirms its liability and pays all the expenses of repair of the insured’s bike to the network garage. The claim amount is calculated by factorising the deductibles and depreciation.
How To Make a Reimbursement Claim with TATA AIG General Insurance?
TATA AIG provides its policyholders with the privilege to reimburse the expense of repair of the insured’s bike if it is repaired in a garage other than network garage. The policyholder can undergo the reimbursement by following the simple steps mentioned below.
Step 1: Contact TATA AIG General Insurance
Informing the insurer about the accident/ theft of the insured’s bike marks the first step to initiate the process. You can contact TATA AIG by dialling their toll-free number 1800 119966 or by texting “CLAIMS” to 5616181.
Step 2: Register A Claim and Get Claim Reference Number
The executive of the insurance company reverts back to you within 48 hours. You have to inform the executive about the policy number and details about the accident. The executive informs you about the procedure and makes an assessment of the cost of repair.
Step 3: Survey of the Damages Incurred
The company sends a surveyor to assess the condition of the bike before it is sent for repairs. After assessing the extent of damage, You have to submit the duly filled claim form and submit it to the surveyor along with the documents and proves.
Step 4: Repair and Reimbursement
You can now send the bike to the garage of your choice. After the completion of the repair, you have to pay to the garage. These bills and receipts are to be submitted to the insurer along with policy documents and Certificate of registration to make the request for the reimbursement claim. The company verifies the details and finally disburse the claim amount after taking into consideration all the deductibles and depreciation.
Common Claim Rejection Reasons
TATA AIG put forward certain conditions that the policyholders should fulfil in order to settle the claims. The claim is rejected by the insurance company under the following conditions.
- Registration of a fraud Claim
- Claiming wrong coverage amount
- Misinterpretation of facts
- Improper functioning of the vehicle parts
- Driving without license
- Lack of details required to process the claim
- Delay in intimation about the mishap to the insurer
- Act of negligence
TATA AIG Bike Insurance User Reviews
TATA AIG Bike Insurance Claim FAQs
How can I track the status of my claim?
You can track the status of your claim through the official website of TATA AIG.
- Open the official website
- Click on “Claim” option
- Fill up the policy number and claim registration number.
- Click on “ Proceed”
The status of your claim will be shown.
Do I need to provide a copy of an F.I.R at the time of registering a claim?
Yes, you need to provide a copy of an F.I.R in case of bodily injury and theft for claiming your insurance.
What role does the surveyor have in the claim process?
When you raise a claim, a surveyor is sent by the insurance company to carry out an inspection in order to assess the extent of damage caused to your bike and to other vehicles (if applicable). The report produced by the surveyor is sent to the insurance company for further processing.
Do I need to carry my driving licence while claiming TATA AIG bike insurance?
Yes, you need to carry your driving licence while claiming TATA AIG bike insurance. You should make sure that the driving licence is valid.
When should I contact TATA AIG after an accident?
You should contact TATA AIG just after the accident. It is necessary to inform your insurer within 24 hours of the accident.