The process of filing a bike insurance claim is simple. You just need to follow some guidelines to complete the process.
Contact your insurance provider as soon as possible after an accident or theft occurs. It will have a toll-free number you can dial or it may want you to fill out a form on its website. If possible, get photos of the damage and any witnesses who can verify what happened. This will speed up the process of filing your claim.
If your bike was stolen, contact your local police department immediately so they can start looking for it. If there's any chance that the thief might still be around or if there's any other evidence they might leave behind (such as fingerprints), report it to the police right away for quick action.
This article explains how to file a bike insurance online claim in India and includes an overview of motorcycle insurance in India.
If you are planning to buy a new bike and want some valuable information related to bikes, insurance and every other aspect in case of an incident, this article is for you!
Filing a Bike Insurance Claim in India- An Introduction
Bike insurance is mandatory for all two-wheeler owners in India. This applies to both new and old bikes. This rule is because, without insurance, your vehicle will not be registered with the RTO. However, if you own an old bike or are an expatriate and have recently bought a bike in India, you must get your insurance before registering it with the RTO.
Insurance companies set specific standards for bike insurance policies to provide quality customer service. Before buying any bike insurance online from these companies, make sure you check out the following points:
Get an Idea of the Cost of Your Bike Insurance Claim
The first step is to get an idea of how much it will cost to repair your bike. The next step is to find out if your insurer covers these repairs. If it doesn't, make sure you have enough money in your bank account to pay for the repairs. However, if it covers these repairs, ask how long it will take to process your claims and whether they will cover any other expenses such as medical bills or loss of income due to injuries sustained during the accident.
Get All the Documents Ready
Next up is getting all the necessary paperwork prepared so that you don't have any trouble while filing a bike insurance claim in India. You need proof that you were riding responsibly and abiding by traffic rules at the time of the accident (like having a helmet on or wearing protective gear like gloves). You also need proof of the accident.
Necessary Documents for Filing a Bike Insurance Claim in India
The first thing you must do while filing a two-wheeler insurance claim online is collect all the necessary documents. These include the registration certificate of your vehicle, driving license, bank account details, and other vital records such as the registration number of your car or bike, etc.
You can also check with your insurance company whether it provides any form of cover against theft or damage caused by natural calamities like floods, earthquakes, etc. If yes, ask for details regarding the same and keep them handy for use while filing a two-wheeler insurance claim.
The following are the documents necessary for filing a two-wheeler insurance online claim in India:
- Insurance policy document.
- Copy of RC book or registration certificate.
- Copy of driving license.
- Police complaint copy, if any accident has happened.
- In case of theft, police report copy with FIR number.
- Application form for the bike insurance claim.
- Receipts for the damage to the bike, if any.
How to File a Bike Insurance Claim in India in Case of Theft?
You can file a claim with your insurer if your bike is stolen. You need to report the theft to the police as well. Then you have to submit documents related to vehicle ownership and proof of premium payment to your insurance company. The insurer may ask for details about previous claims and any pre-existing damage/accident history of the vehicle. Your bike insurance online claim will be accepted without delay if no pre-existing damage/accident history has been reported. But if any pre-existing damage was not mentioned earlier, there could be delays in processing your claim.
Steps to be followed for filing a bike insurance claim in India:
1) Once you realise your bike has been stolen, head to the local police branch in your vicinity and file a police complaint recorded as an FIR or First Information Report.
2) Get all your necessary documents from the Regional Transport Office (RTO) – forms and transfer papers
3) Another critical document is the evidence document labelled in such a way that it is indicative that your two-wheeler couldn't be located by the police. It generally takes 30 days to generate such a report.
4) Now, you can file your two-wheeler insurance online claim with your agency and submit all the necessary documents to avail the insurance:
1) Forms and RTO transfer paper.
2) Police report for inability to locate the stolen vehicle.
3) A copy of the FIR.
4) Registration certificate copy.
5) A copy of your driving licence for a two-wheeler.
6) Application form for a bike insurance claim.
How to File a Bike Insurance Claim in India in Case of Accidents?
Motor third-party liability insurance is compulsory for all vehicles in India, including two-wheelers. This type of two-wheeler insurance online claim covers the third-party damages caused by the vehicle owner if they drive rashly or negligently. It also covers damages caused by hit-and-run cases and accidents due to mechanical defects in any vehicle.
The first thing you need to do after an accident is to inform your insurer immediately by filing an online bike insurance claim. You can call or email it with details like where and when the accident happened, how many people were involved, etc. The police will also be informed so they can register an FIR (First Information Report). If you can give this information right away, it'll help speed up the process of getting your claim fixed.
In case of an accident, you should file bike insurance online with the insurance company and inform it about the incident. You will need to provide your two-wheeler's registration number, model, make and year.
In case of a significant accident, you should immediately contact your two-wheeler insurance company. The insurer will send an inspector to assess the damage and determine how much money you need to cover the repair costs.
If there are no witnesses who saw what happened, it becomes difficult for the insurer to verify whether or not the accident was caused by some third party and not by you, which means they might deny your two-wheeler insurance online claim. So make sure that if there are any eyewitnesses around, get their contacts so they can give a report when asked by the police or the insurance company.
If you own a bike, follow the necessary precautions and opt for a bike insurance policy to secure yourself against any such financial losses. But all that comes to no use if you don't follow bike insurance claim rules. So, follow the same and get protected against unforeseen incidents.