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Everything You Should Know About Filing A National Bike Insurance Claim

Written by Saad Ahmad
Updated On Mar 26, 20222 min read

National Insurance Company Ltd. (NIC) is one of India's largest and oldest general insurance firms, providing bike insurance and other associated coverage.

National General Insurance is a publicly-traded general insurance firm that has successfully resolved thousands of claims. It has a solid track record of resolving claims, as seen by its claim settlement ratio of 85.71 percent in the fiscal year 2019-2020. Because of its digitization, National General Insurance has been able to reach out to a larger number of individuals. Its policyholders may expect a smooth claim resolution procedure. The Customer Service team will walk you through the whole procedure.

Everything You Should Know About Filing A National Bike Insurance Claim

How To Make A National Cashless Bike Insurance Claim?

To make the bike insurance claim process as easy as possible for its policyholders, National General Insurance has broken it down into the following steps:

Contact National General  Insurance

To begin the claim settlement process, the policyholder must notify the insurer as soon as possible after the occurrence, whether it be a theft, an accident, or any other damage to the bike. National General Insurance may be reached by phone at 1800-345-0330. Within 24 hours in the tragic case of an accident, the call should be made. It's a good idea to take photographs of the scene of the sad incident and get the names of witnesses so that you may use them as proof when filing a claim.

Make a Claim

Within 24 hours, a representative from National General Insurance will contact you. The following information must be provided to the representative:

  • Number of Policy
  • The catastrophe occurred on this day and at this hour.
  • Estimated Loss Description
  • Our loss assessor will be able to inspect the car at this location.
  • Name and contact information for the driver, as well as information from his or her driver's license
  • Contact Information for the Insured
  • For future reference, the executive gives you a claim reference number. Pick up a claim form from the branch closest to you.

Damages Assessment

A corporate surveyor is dispatched to inspect the degree of the bike's damage as a result of the collision. For the survey, you can provide a properly completed claim form, policy documentation, and proofs.

Settlement of Claims

The surveyor provides his or her approval after considering all of the factors. The insurer acknowledges its financial and legal obligations and pays all costs associated with the insured's bike's repair at the garage. The claim amount is computed by taking into account the deductibles and depreciation.

No-Claim Bonus (NCB)

Every two-wheeler own-damage policy from National General Insurance Company comes with a No Claim Bonus. Every insurance company gives its own-damage coverage as a reward for each year without a claim. The benefit is cumulative, meaning it becomes better with each passing year. It reaches 50% for the sixth consecutive year. This is the maximum No Claim Bonus a policyholder may get from their insurance carrier. When a policyholder makes a claim, the NCB is deactivated. The amount of the claim is negligible. As a result, it is recommended that you make a claim only when the damage is serious and exceeds the NCB.

Take Away

National Insurance Company has a large network of garages behind it. Additional add-on coverage extends the policy's coverage. National Insurance Two Wheeler Insurance's comprehensive package for your favorite bike provides you with financial security when it comes to protecting your two-wheeler. The peace of mind that comes with a guaranteed claim settlement is unrivaled. If you trust in and rely on prompt claim payment and great customer service, National Insurance Two Wheeler Insurance should be your first pick.

Also read - Riding In Congested Areas: 10 Tips

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.

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Written by Saad Ahmad
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 Saad is a marketing guru and has some exciting knowledge to share about the motor and related industry. Saad in his last work with a major Indian yet global conglomerate has made direct contributions to the Insurance sector. In his free time, Saad likes to play badminton and listen to melancholic music

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