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Does Your Two-Wheeler Insurance Covers Damages Against Fire?

Wish

Written by Sumit Arora

Updated Nov 17, 2021

Make sure to know your insurance policy in detail so that you can easily get your claims in case of damages due to fire.

Accidents are unfortunate and unforeseen. This is why an insurance plan is a must for every two-wheeler. However, whether or not they cover damages by fire is something you must be aware of in order to take advantage of it. To find out whether or not your two-wheeler insurance covers damages against fire, read on.

Does Your Two-Wheeler Insurance Covers Damages Against Fire?

Types of Two-Wheeler Insurance Plans that Covers Damages from Fire

The following are the types of two-wheeler insurance policies that are currently available in the market. Make sure to read about them in detail to find out whether or not they will cover your two-wheeler in case it sustains from damages due to fire.

Comprehensive Two-Wheeler Insurance Policy

As in its name, a comprehensive two-wheeler insurance policy is a full-proof plan that provides all kinds of protection that your two-wheeler may need. It not only protects your two-wheeler from self-inflicted damages but also if they are caused due to any external factors. This also includes protection from all kinds of accidents involving fire. A comprehensive two-wheeler insurance policy is an all-around protection plan. Since it provides protection against all kinds of contingencies, it is the best plan to purchase.

Standalone Two-Wheeler Insurance Policy

A standalone two-wheeler insurance policy protects a two-wheeler against damages inflicted on its own. This includes any natural calamity, man-made accidents and other events such as burglary, riots etc. Under this policy, therefore, fire damages are also included. You might need to show proof of document in case you claim damages such as riots, which is usually news that has been printed. Fire from internal sparks or overheating, however, might not be compensated. Damages by fire are largely considered when there have been visible flames. 

Third-Party Two-Wheeler Insurance Policy

A third-party two-wheeler insurance policy is mandatory for all two-wheelers, as per the rules of the government of India. It covers all kinds of damage that have been caused by some external problem or conflict. If the rider has been involved in an altercation or accident along with the two-wheeler, the damages are covered by this policy. This is compulsory insurance that has to be taken by all two-wheelers, but it will not cover damages by an internally caused accident involving fire. Nevertheless, it is always advisable to seek clarification from the insurance provider regarding exact circumstances. 

Steps to Claim for Damages Caused by Fire

There are certain crucial steps that will help you claim from your insurance for fire damages, without any hassle. Keep them in mind for a smooth experience that will get you the proper compensation.

1. If you are involved in an accident or there has been considerable damage, make sure to file an FIR report and contact your insurance provider at the earliest.

2. Make sure to record all details of the incident so that you can provide them to your insurance provider accurately. 

3. Once the insurance provider receives the necessary details, an inspector on their behalf will arrive to assess your two-wheeler. Once they submit a report back to the insurance provider, and it meets the requirements, your claim will begin to be processed. 

4. You then will have to provide the necessary documents as asked by the insurance provider. Once the documents have been verified, you will be able to avail of assistance as provided under your insurance plan.

Endnotes

Make sure to always read the fine print on your insurance policy. The more you know about your policy, the better you will be able to claim your dues.

Also Read:

5 Bikes/Scooters expected to launch in 2021 in India

Is Two-Wheeler Insurance Compulsory For Electric Scooters? 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

Wish

Written by Sumit Arora

Sumit is an insurance industry veteran with more than 20 years in the industry. Sumit is a frequenRead More

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