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How Does Cashless Claim Work in Bike Insurance?


Written by Amit Jain

Updated Feb 07, 2023

How Does Cashless Claim Work in Bike Insurance?

In India, a majority of the population prefer two-wheelers as their primary mode of transportation since they are easy to maintain and can beat traffic jams easily. Accidents are part and parcel of traveling on Indian roads. And oftentimes, these accidents can lead to severe damage that could create a financial burden for you. Therefore, comprehensive bike insurance is a tool that comes in handy to provide you with financial protection against any damages that happen to your vehicle. You can make a cashless claim for your bike insurance by getting it repaired at the network garage of an insurance company. Read on to learn details on how cashless claims work in bike insurance

How Does Cashless Claim Work in Bike Insurance?

How Does Cashless Claim Insurance Work? 

The bike insurance companies have partnerships with numerous network garages. Therefore, the policyholder can get their bike repaired at the network garage associated with the company. Under cashless claim insurance, the network garage directly settles the bills and invoices from the insurance company. As a result, you don’t have to pay a single penny of the repair costs out of your own pocket. In India, there are two types of bike insurance available to policyholders. You can either buy third-party bike insurance that provides coverage only for third-party damages or a comprehensive bike insurance policy in which both your own damage and third-party damages are covered. 

Cashless Claim Settlement Process in Bike Insurance

Whether you have purchased third-party insurance or comprehensive motor insurance, you can follow the below-mentioned steps to make a cashless claim. 

  • Note the registration number of the other vehicle in case of an accident. 
  • Get the contact details of the witnesses present around the scene. 
  • Inform your bike insurance company about the accident. 
  • File an FIR of an accident and fill out the cashless claim form. 
  • The insurance company will appoint a surveyor to inspect the damaged items on the bike. 
  • Submit the necessary documents requested by the insurer. 
  • Your claim will be processed after the verification process is completed. 

Benefits of Cashless Claim in Bike Insurance

Listed below are some of the benefits of cashless claim services in bike insurance. 

  • Convenient

Through a cashless claim facility, the policyholders can claim their bike insurance without any hassle. The network garage directly settles all the repair bills and costs with the insurance company. You can locate the nearest network garage in your area and get your bike repaired easily. 

  • Budget-Friendly:

When making cashless claims for bike insurance, the policyholders don’t have to worry about paying hefty repair costs and bills from their own pockets. Your bike insurance company will pay the bills for all the damages covered in the policy. 

  • Easily Accessible:

There is a wide network of garages associated with insurance companies. You can locate the nearest network garage in your area and take advantage of the cashless claim feature in bike insurance. 


To sum up, you can claim your bike insurance policy through the cashless feature. Simply go to the company's network garage and have the damage to your bike repaired. Your insurance company will settle all the bills and invoices directly with the network garage.

Also read: How To Ensure Your Two-wheeler Keeps Looking New And Shiny?


Written by Amit Jain

Amit is an upcoming name in the motor industry be it new cars/ bikes or used ones. Amit in his last stint worked as a consultant for major Fortune 500 companies across the globe.&Read More


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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