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How Many Times We Can Claim Bike Insurance in a Year?

Updated On Sep 23, 2023

Can I Claim Bike Insurance Twice in a Year?

Bike insurance is one of the most important safety nets for motorcyclists in a country like India, where the noises of bikes fill the air around every corner. While most bikers believe this to be true, there is a frequent question that bogs down the minds of many bike owners: how many times can one file a claim under bike insurance in a year? We shall go deeply into the nuances of bike insurance coverage and claims in India in order to solve this riddle.

An Overview of Indian Bike Insurance

Prior to delving into the urgent inquiry, it is important to grasp the basics of bike insurance. Bike insurance is essentially a contract that an individual signs with an insurance company, which agrees to pay a premium in exchange for financial protection against losses or damages brought on by theft, accidents, or natural disasters.

Bike Insurance Types

Bike insurance in India is often divided into two groups:

  1. Third-Party Insurance: The Indian Motor Vehicles Act of 1988 requires this fundamental type of insurance. In the case of an accident, third party insurance covers liabilities to third parties.
  2. Comprehensive Insurance: Comprehensive insurance type of coverage protects against both personal injury and property damage to your own car. It also includes defence against natural calamities, theft, and vandalism.

How Many Times We Can Claim Bike Insurance in a Year?

The Fundamental Question: How Many Allowable Claims Are There?

The Regularity of Claims

We have now reached the main query. The maximum number of times you can file a claim in a policy year is typically not strictly capped. If the total claim amount does not surpass the bike's insured declared value (IDV), you are free to make as many claims as necessary.

Taking Into Account Several Claims

On the other hand, submitting numerous claims in a single policy year could result in a number of consequences, such as:

  1. No Claim Bonus (NCB) Forfeiture: The No Claim Bonus is forfeited and resets to zero with each claim you file.
  2. Premium Hike: If you file a lot of claims, your premium may go up a lot when your policy renews.
  3. Possible Policy Cancellation: If you have a history of several claims, which indicates a high risk, insurance companies may decide not to renew your policy, albeit this is uncommon.
  4. Zero Depreciation Bike Insurance Claim Limit: Across insurance companies and plan types, the number of zero depreciation claims that you can take for your bike can be limited. While some insurers provide unlimited zero depreciation claims, some insurers and plans can offer a limited number of zero depreciation claims.

Developing a Claim Strategy

Examine the Circumstance

Examine the circumstances and determine the degree of the damage before rushing to register a claim. It can make sense to pay cash and keep the NCB if the damage is modest and the cost of repair is much less than the total NCB.

Upkeep and Maintenance

It is crucial to drive cautiously, follow traffic laws, and keep your bike in excellent condition if you want to prevent making repeated claims. Not only does proper maintenance help your bike last longer, but it also lessens the chance of accidents.

Selecting the Appropriate Policy

It's important to choose an insurance that fits your demands and driving style. In the long term, a comprehensive policy with extras like zero depreciation coverage can prove advantageous, providing greater security and comfort.


If your claim amount is less than equal to your deductible amount, then it is suggested for you to not take your claim. In case you still go ahead and take your claim, you would have to pay maximum amount of claim out of your own pocket and also risk losing your No Claim Bonus.

The Claim Filing Procedure

It is critical to comprehend the claim filing procedure before determining the frequency of claims permitted. Here's a detailed how-to:

  1. Report the occurrence: As soon as possible after the occurrence, notify your insurance company and the police.
  2. Record-keeping: Gather the required paperwork, including the bike's registration certificate, a copy of the driver's licence and a properly completed claim form.
  3. Survey: Following the filing of the claim, a surveyor will evaluate the harm and provide an estimate of the expenses of repairs.
  4. Repair and Compensation: For repairs, bring your bike to a network garage. The insurance provider will pay the garage directly to resolve the bill.

Factors Affecting the Settlement of Claims

Several factors can impact the resolution of claims, such as:

  1. Policy Type: Compared to third-party insurance, comprehensive policies often provide more coverage.
  2. Bonus for No Claim (NCB): You are eligible for an NCB discount on the premium at renewal if you did not file a claim the year before.
  3. Depreciation: When settling claims, the insurance provider takes into account the bike parts' depreciation value.


Making Knowledgeable Choices

In summary, even though there isn't a set restriction on how many claims you can submit in a policy year, filing several claims can affect your premium cost and No Claim Bonus. Therefore, before making a claim, it is advised to assess the seriousness of the problem in order to make an informed decision.

Speaking with Insurance Consultants

Getting guidance from insurance advisers can be a wise decision if you want to successfully navigate the complicated world of insurance claims. These professionals can offer advice on how to handle your insurance and claims in the most effective way.

Final Thoughts

As you can see, it is evident that although the ability to file a claim is always available, caution should be exercised in its application. Maintaining a positive connection with your insurance carrier may require striking a balance between reporting a minor event and keeping your No Claim Bonus. Furthermore, exercising caution when driving can help to lessen the need for claims, promoting a secure and safe riding environment.

With the above-mentioned road map in hand, we hope you may approach the world of bike insurance with greater clarity and assurance. Remember that a knowledgeable rider is not just a safe rider but also a protector of the larger road community, guiding the way, one ride at a time, towards a safer future.

So, enjoy safer riding, make informed decisions, and here's to more peaceful roads ahead when you go by bike around India.


  1. Is there a cap on how many bike insurance claims I may make in India in a given year?

There isn't a set restriction on how many claims you can submit in a year, technically. On the other hand, a high number of claims could reduce your No Claim Bonus and possibly raise your premium when it comes time to renew your policy. Additionally, the total amount of claims made should not be greater than your bike's insured declared value (IDV).

  1. In terms of bike insurance, what is the Insured Declared Value (IDV)?

The highest amount that your insurance carrier will pay in the event that your bike is completely lost or stolen is known as the Insured Declared Value or IDV. It is calculated using the advertised selling price provided by the manufacturer, depreciation is taken into account.

  1. How does bicycle insurance's No Claim Bonus (NCB) operate?

If you did not file any claims during the preceding policy year, you will earn a discount on your premium known as the No Claim Bonus (NCB). It is a prize for safe driving without filing an insurance claim. The NCB builds up over time and, if maintained, provides a sizable discount on the premium amount.

  1. Can I keep my No Claim Bonus (NCB) if I transfer to another insurance company?

Yes, even if you move to a new insurance company, you will still be able to keep your NCB. Proof of the accrued NCB from your former insurer must be shown, and the new insurer will take that into account when determining your rate.

  1. What aspects need to be taken into account prior to submitting a bike insurance claim?

Consider the degree of the damage, the probable cost of repair, and the impact on your No Claim Bonus and future premium amounts before submitting a claim. To prevent claim denial, take into account whether the incident is covered by your policy as well.

  1. If I don't intend to file a claim, is it still required to report a small accident to the insurance company?

Although you are not required to notify your insurer of minor incidents if you do not intend to file a claim, it is a good idea to do so. In addition to preserving transparency, this may help to avert future issues.

  1. Can the amount of claims I can make in a year be affected by add-ons?

The decision to make a claim may be influenced by add-ons such as zero depreciation cover, which offers more coverage and lower out-of-pocket costs for repairs. They do not, theoretically, change the total amount of claims you are permitted to make in a given year.

  1. How can I make sure the claim settlement procedure is efficient and timely?

In order to facilitate the settlement of your insurance claim, you should notify your insurer of the incident as soon as possible, give accurate copies of all required documentation, and assist the surveyor with the damage assessment. Due to insurers' partnerships with network garages for cashless settlements, selecting these garages for repairs can also expedite the settlement procedure.


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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