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Should You Claim Insurance For Bike Scratches?

Updated On Nov 29, 2022

Should You Claim Insurance For Bike Scratches?

Driving on congested Indian roads always puts your car at risk for dents and scratches. Insurance for minor dings and scratches would financially shield you from having to pay to have these dings and scratches repaired. So let's examine your bike insurance coverage's scope and the conditions for making a claim for little dings and scratches on your automobile. Additionally, find out if your insurance policy covers minor dings and scrapes.

 Should You Claim Insurance For Bike Scratches?

What Is Bike Insurance Claim?

 By getting two-wheeler insurance, you enter into a contract with the insurance provider. The agreement merely states that the insurance provider would pay for the expenses linked to the harm caused by the accident.

Let's say you were riding your bike to work when you got into a collision, and your two-wheeler insurance is still in place. In this situation, you must make a "Claim" to the insurance provider. In order to notify the insurance provider of your accident, you must submit a claim.

Can You Claim Insurance For Bike Scratches?

 Since it is your bike insurance, you are free to use it anyway you see fit. But the fundamental issue that requires your focus is whether it is worthwhile to file an insurance claim for a few minor scuffs.

It will depend on the severity of the damage that has been done to your bike, to put it simply. Additionally, it is based on the kind of coverage you have. For example,

  • If the costs will exceed the claim amount and your bike is covered by a comprehensive policy, you may be able to make an insurance claim.
  • On the other hand, if you have third-party bike insurance, you are not eligible to make any claims because your bike will not be renewed as a result. However, it will cover damages that a third party sustained as a consequence of your actions.

The important thing to remember is that you must calculate the expense of updating your bike. Save your bike insurance for more significant damage if it is less and more affordable for you. However, if you have irreparably damaged it, then an insurance claim will be your best option.

Should You Claim Insurance Coverage For Bike Scratches?

If you have been purchasing two-wheeler insurance for a while, you may have heard someone advise against filing claims for modest sums of money. Additionally, if the cost of repairing your damaged bike is high, you should use your two-wheeler insurance to get paid. Given that filing a claim defeats the point of purchasing two-wheeler insurance, many of us are perplexed as to why professionals advise against doing so. 

It's critical to realise that bike insurance serves as a fallback strategy to help you save money in the event of significant damage. If your bike sustains a scratch or a minor bump, insurance is not always the best course of action. This article will explain why it is advantageous for you to purchase online two-wheeler insurance as well as the significance of not filing claims for minor repairs.

What Benefits Can You Expect If You Don't File An Insurance Claim For Little Bike Scratches?

 Here are a few of the unstated advantages of not filing an insurance claim for small bike scratches:

  • No Claim Bonus: If you're not sure what NCB in bike insurance is, you should know that it's a discount you receive when renewing your policy for not making an insurance claim in the previous year. And with each year that passes without a claim, the bonus sum increases.
  • Low premium: It's important to understand what an insurance premium is. Low premiums are an advantage of forgoing insurance claims for small bike damage. Every time you file a claim for bike damage, the premium goes up significantly. Your pocket will then once more suffer as a result.


 It will depend on the difference between the costs you would have incurred if you had the damage fixed yourself and what the insurance company will pay. Claiming the insurance is a good alternative or vice versa if it is less than what you are paying. Depending on the prior damage to the bike, filing an insurance claim for scratches will increase your insurance rate by as much as 38%.

Also Read: Is Paperwork Required When Buying a Bike?


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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