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Tips To File a Successful Bike Insurance Claim

Updated On Sep 28, 2021

Purchasing insurance for your bike is necessary and is not that difficult. Read this article to know things that are necessary to keep in mind to claim bike insurance.

Bike Insurance Claim Settlement is a process through which an insurance company assists you with financial concerns like bike repairs or legal liabilities. Different insurance companies have different sets of protocols for the claim settlement. The process of insurance involves three stages:

  • Intimating the insurance company about the reasons for the claim.
  • Verification of the claim 
  • Settlement of the claim.

Irrespective of the processes, there are certain things that you need to keep in mind for a successful bike insurance claim settlement.

Tips To File a Successful Bike Insurance Claim

Tips To File a Successful Bike Insurance Claim

Here are some tips that will help you to file a  bike insurance claim that can be accepted and settled swiftly by the insurance company. 

  • Early Intimation

It is better for you to inform the company as soon as possible about the incident for which you want to raise a claim for your bike. Any delay in such intimation might lead to the rejection of your claim. For example, if your bike is damaged due to an accident or due to natural calamities, it is advised to inform the company immediately of the same and apply for an appropriate claim. Do not repair the bike or take it away from the accident spot. In such cases, the company can reject your claim.

  • Collect all Information

Gather all information to substantiate your claim. The pieces of evidence include pictures, videos,  links to articles on the internet, etc. For example, if your bike is damaged due to an accident, click photos and shoot a video of the bike. Submit newspaper clippings that have reported about the accident in your locality. Such information will strengthen your claim. It will help the insurance company to validate your claim successfully.

Also Read: How To Get the Details of Bike Insurance By Registration Number?

  • Right Documentation

certain documents are required for certain types of claims. For example, you need a First Information Report (FIR) for a claim that involves a major bike accident, repair receipts from the garage if you apply for a Reimbursement Claim process. In the case of a Cashless Claims Process, the company pays the repair cost directly to the garage as per the company’s policy terms and conditions.

  • Cooperation With the Company

You must cooperate with the insurance company during the Claim Settlement process. Answer all the questions they ask whether it is about a particular dent on the bike or explaining how your two-wheeler got into an accident. Be patient and cooperative and explain everything honestly and thoroughly.

Important Documents Required for Two-Wheeler Insurance Claim

Here’s a list of documents that are usually required for raising an insurance claim for your two-wheeler.

  • Valid insurance policy 
  • Applicable money transfer information 
  • Your name, address, and other contact information such as the contact number and email ID.
  • Reports and receipts from concerned authorities 

Take Away

To make the best out of your bike insurance, you should master the skill of how to claim its in the right possible way. You must understand the features and benefits and exclusions before purchasing a bike insurance policy.

Read Here: How To Get A Duplicate Copy of New India Bike Insurance Documents?

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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