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Before buying a bike insurance, one of the most important things that you should always consider is the claim procedure. How good or quickly an insurance company settles the claim? This is one such question that you should bear in mind before saying yes to an insurance company. And, this is where IFFCO Tokio comes into the picture, making your claim journey a hassle-free affair.
With IFFCO Tokio, filing a bike insurance claim is simple, but it needs proper documents. So, you must know the complete checklist of the documents necessary to make a claim. Otherwise, your claim may get rejected.
1. After an Accident:
2. After a Theft:
IFFCO Tokio two wheeler insurance also has a quick claim settlement/QCS app that policyholders can use to make a claim. All they have to do is click pictures of the damages and upload the same on the app. IFFCO Tokio will assess all the damages and provide the compensation amount directly to the policyholder.
In case of some damage, when your bike is sent to a network garage, the repair work is done cashless. The transaction is done between the garage and the insurance provider.
The procedure to raise a cashless claim is explained step by step:
If a policyholder is not able to reach any network garages, they can take their two-wheeler to any other garage. For a reimbursement claim, the policyholders must follow the steps below:
1st Step: You need to contact IFFCO Tokio on their helpline number 1800-103-5499 (toll free). Inform them in detail. You may also register your claim on the insurer’s official website.
2nd Step: IFFCO Tokio will contact you with a claim reference number and a list containing all necessary documents. You need to fill out the claim form.
3rd Step: Before sending for repairs, a surveyor, on behalf of the company, will look into the condition of your two-wheeler. The company may send surveyors to investigate the whole scene before moving it to the garage, in case of a massive accident.
4th Step: Get your bike repaired at the garage as per your convenience and make the payment. Then, submit all the documents and bills. The company will disburse the claim amount after considering all the deductibles and depreciation,
The NCB is a cumulative prize. In the 5th year, it increases up to 50%. But this bonus is only applicable for those who have own-damage cover either with the standalone policy or as part of the comprehensive policy. The benefit increases within every consecutive claim-free year. So a minor insurance claim can disable it.
To keep your NCB intact, you need to renew your two-wheeler insurance on time. Failure to do so can make the NCB invalid. Insurance providers offer an additional 90 days (grace period) to help you remain on track with your insurance, but any further delays can lead to the cancellation of your NCB.
In case of a third-party person's death or bodily injury, the maximum limit is decided by the Court of Law.
Yes. Original bills are needed in such cases.
In case of claims, the partly damaged goods or the wreck of a bike settled on a total loss basis is known as “salvage”. After settling the claim for the full amount, the salvage becomes the property of the insurance company.
Yes, you can easily file an IFFCO Tokio bike insurance claim online.