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Everything You Should Need To Know About National Bike Insurance Claim

Updated On Dec 14, 2021

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 Need To Know About National Bike Insurance Claim

How To Make 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.

Also Read:

Everything You Need to Know About IDV and NCB In Two-Wheeler Insurance

7 Hacks to Getting Cheap Motorcycle Insurance

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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