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The Hassle-free Guide to Making a Bike Insurance Claim at National Insurance

By Vikas Chandra Das
28 September 2022, 10:48 AM

Biking can be one of the best ways to breathe fresh air—but it can also leave you open to some serious dangers if you’re not careful. If you find yourself in an accident, it will be incredibly difficult to deal with it in the absence of a good bike insurance policy.

With National Insurance, you can reduce the hassle and stress associated with getting back on the road again. While figuring out exactly what you have to do if you need to file a bike insurance claim with National Bike Insurance can seem like a daunting task, it’s actually far simpler than you might think.

This guide will walk you through each step of the process and ensure that your claim is handled with the utmost care and consideration at National Insurance. So what are you waiting for, let's get started!

List of Documents Required During Claim Settlement

If you're involved in a bike accident and need to make a bike insurance claim, there are a few documents you'll need to have on hand:

  • The claim form with all your details entered
  • Registration Certificate's copy that is attached to the form
  • Driver's driving licence
  • The copy of your insurance policy
  • The invoice of the repair, the estimate of the original repair, as well as the payment receipts received by you for non-cashless claims
  • Cashless claim's original repair invoice

National Cashless Bike Insurance Claim Process

The process of making a bike insurance claim at the National Insurance is very easy to follow. Here we have presented the step-by-step process to help you make a claim in a hassle-free manner:

Step 1: Contact National General Insurance
The first step is to contact your bike insurance company and let them know that you need to make a claim. You will need to provide them with some basic information, such as your policy number and the date of the incident. Once you have done this, they will be able to start processing your claim.

Step 2: Register Claim
You can register your claim by visiting the National Insurance website and clicking on the 'Make a Claim' button. Once you've registered, you'll be able to log in and view the status of your claim. You can also call the customer service number to speak to someone about your claim. You will need to give them the following information:

  • Your bike insurance policy number
  • Date and time of when the accident happened
  • The detailed estimated loss occurred in the accident
  • Survey location
  • Driver's name with their contact number and licence details
  • The details of the insured contact

Step 3: Survey of Damages
Once you've reported your claim, a representative will contact you to schedule a time to survey the damages. This process is usually quick and easy and can be done entirely over the phone.

Step 4: Claim Settlement
The insurer has provided confirmation of its financial and legal responsibility in addition to offering to pay for the expenses for the bike to be repaired at the garage. The surveyor has approved the deal. Based on depreciation and deductibles, the size of the claim is determined.

Read more - What are the Advantages of the National Comprehensive Car Insurance Policy?

The Process to File a National Reimbursement Bike Insurance Claim

In the event that you choose to repair your insured bike in any garage other than a service centre, you are entitled to a reimbursement. You can submit a reimbursement claim in the following ways:

Step 1: Contact the Insurer:  Call them up and tell them that you need to make a bike insurance claim for damage caused by an accident. They will likely request information about the vehicle, like its VIN number and the contact details of anyone who might have witnessed the accident.

Step 2: Register a Claim:  You will then register the claim with the insurer by giving them all relevant details and proof of ownership. Once they're satisfied, they'll send someone out to inspect the bike and assess what needs repairing or replacing.

Step 3: Survey of the Damages Incurred: The assessment report from the representative should list everything that is wrong with the bike, including how much each repair will cost. It should also give you an idea of how long it would take to get back on the road again.

Step 4: Repair and Reimbursement:  Your insurer will pay the service centre directly once they've inspected the bike and agreed to cover the repairs. When this has been done, they will provide you with a final inspection report confirming that your bike is safe to ride again. In some cases where significant damages are incurred, your insurer may ask for photographs and receipts before issuing payment.

Read more - Everything You Wanted to Know About National Bike Insurance Claim

National Insurance No Claim Bonus

As part of every two-wheeler own-damage policy, National General Insurance offers a No Claim Bonus (NCB). Policyholders can only receive this discount when they don't make a claim. After five consecutive years, the reward is equal to 50%. Thus, in case of a mishap, you should only file a claim in case the damage is significant and higher than the NCB.

If you want to keep your policy and the cover, NCB holders are also required to keep their policies up-to-date. If they fail to do so, the NCB will be forfeited. In such cases, there is a grace period of 90 days from the expiration date, during which it's still possible to renew two-wheeler insurance.

The insurance policy and NCB will be cancelled upon the expiration of this period. Additionally, the insurance holder can transfer the NCB to another insurance provider before it expires if they feel it will be a better fit. These points, awarded for safe driving habits, stay with the person rather than the vehicle. 


Making a bike insurance claim can be one of the most stressful parts of owning a bike – especially if you’re new to it. If you don’t know what to expect, this process can seem intimidating, but National Insurance wants to demystify it and make things as easy as possible for you when it comes time to file your claim. 


1. I have comprehensive bike insurance with a zero depreciation cover at National Insurance. When I make a claim, do I need to pay anything?

With zero depreciation coverage at National Insurance, you will not be liable for paying the default depreciation applicable to your bike and its parts, except for tyres, tubes and batteries that are covered at 50%. However, the mandatory and voluntary deductibles must be paid by you.

2. How much additional cashback am I offered if I don't make any claims in the coverage year or years at National Insurance?

Depending on the number of claim-free years, you can earn a discount of 20% to 50% on through the NCB.

3. When a claim is filed for theft, do I need to lodge an FIR?

Yes, you must lodge an FIR with the police immediately—a copy must also be given to the National General Insurance Company.

4. How do I make changes to my existing bike insurance policy with National Insurance?

Revising an existing policy is easier than it sounds. Maintaining contact with the bike insurance company is important. Adjustments in a bike and changes in one's communication details are all carried out by the insurer.

5. How do I purchase a NIC bike insurance policy?

You can make payments for your bike insurance premium online. Just call 18003450330/033-68110000 instead of visiting your local branch to do so. By comparing multiple options, you can make payments online with a credit card, debit card or net banking.


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