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Significant Aspects of Bike Insurance With Riot Cover

Updated On Aug 26, 2021

Let’s look through some important aspects of bike insurance with riot cover.

A comprehensive two-wheeler insurance policy provides coverage against damages and losses sustained by the insured bike or scooter. It also covers damage costs that arise due to riots which refers to a situation where a group of people acts violently in public places. The outcome of such events can be dangerous which can lead to loss of lives and properties that increase the chances. Under the category of man-made disaster, a comprehensive two-wheeler insurance cover gives compensation for damages due to riots. However, there are specific aspects that you should be aware of before making a claim with a two-wheeler insurance policy:

Significant Aspects of Bike Insurance With Riot Cover

1. Register an FIR

When it comes to significant documents required to raise a claim for damages due to riot, a copy of the FIR tops the checklist. A copy of the document will help substantiate your claim regarding the damage incurred by your bike due to the riot. 

2. Intimate the Insurer

You should inform your insurance company about the incident at the earliest. A delay in the intimation can lead to the rejection of your claim. You can either convey your insurance provider about the incident either in writing or by calling them at their toll-free numbers. You can get the contact details of your insurance company from their website.

3. Insurance Claim Documents

To register a two-wheeler insurance claim, you are required to submit some supporting documents which may include an FIR, bike insurance policy document, duly filled and signed claim form, newspaper clip, fire brigade report in an event of fire damage, and repair bill. The timely submission such documents can expedite the claim settlement process while failing to produce these documents may end up into claim rejection.

4. Active Insurance Plan

To raise any claim for any damage or loss sustained by your two-wheeler, the most crucial aspect is to own an active bike insurance policy. An expired insurance plan can never get you coverage and will result in claim rejection without any doubt. Hence, ensure to keep your two-wheeler insurance active all the time by getting it renewed before its due date, otherwise, your policy will be of no use. 

5. Vehicle Inspection

During the claim settlement process, the insurance providers appoint and send a surveyor to assess the extent of damage sustained by the two-wheeler. On the basis of the report made by the surveyor, the claim amount is approved and released by the insurer. If the surveyor report states any deliberate action to incur damage to the bike or scooter, the claim will be rejected right away.


You cannot predict and prevent the situations like riots, but you can certainly plan and prepare for them. The may impact a huge monetary loss for everyone but to mitigate such effects, the bike insurance policy with riot cover is designed. Since the coverage offered under this car insurance policy could bring out a good amount of relief, hence, you are recommended to understand all the important aspects of the comprehensive plan and then opt for a well-researched policy.

Also Read:

How to Find the VIN, Chassis Number and Engine Number of Two Wheeler

Roadside Assistance Add On Cover In Two-wheeler Insurance Explained

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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