Navi Bike Insurance Claim

Navi General Insurance Company has earned a name in the two-wheeler insurance sector with its beneficial and cost-effective bike insurance plans. The Insurer is known for settling the bike insurance claims efficiently and rapidly. Moreover, the Navi General Insurance Company has a user-friendly website with an active chat box and toll-free lines to assist policyholders with the claim settlement process. With the processes outlined below, policyholders can have a quick and hassle-free claim settlement process.

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List of documents required for Navi Bike Insurance Claim settlement

One may need these documents for the settlement of the Navi Bike insurance claim:

  • Bike insurance policy
  • Form for submitting a claim that has been filled out and signed.
  • For cashless claims, the original repair invoice is required.
  • For non-cashless claims, original repair estimate from the garage expert, repair bills, and payment receipt are required. Self-attested copy of the DL and the Registration Certificate (RC) of the person driving the vehicle at the time of the accident is needed.

How to file a Navi Cashless Two-Wheeler Insurance Claim?

Navi bike insurance claim settlement process is straightforward. Policyholders can request a claim by following the steps below: 

  • Inform the Insurer

The policyholder must inform the insurer within 24 hours of the mishap: theft, accident, or other damage to the bike. This will initiate the claim settlement process. The Insurer can be reached out at 1800 123 0004, or you can email them at, download the app, or visit a branch. In addition, taking pictures of the damage caused and attempting to gather witnesses as a proof is also a smart idea.

  • Damages Estimation

A business surveyor may be dispatched to determine the extent of the accident-related damage to the bike. The surveyor will provide an estimate of the vehicle repair cost after receiving the fully completed claim form, policy papers, and documents. These include witness contact information, third-party automobile registration number in the case of a third-party plan, and so on. 

  • Claims Settlement

After evaluating all issues, the corporate surveyor approves claim settlement. The insurance company will then pay for the insured's bike repair cost at the garage. The claim amount will be computed after deducting deductibles and depreciation value. The insurer will then pay the final amount.

How to file Navi Insurance Reimbursement Two-Wheeler Insurance Claim?   

If the insured's bike is repaired in a non-network garage, Navi Insurance allows policyholders to be reimbursed for the cost of repair. The policyholder can proceed with the refund process by following the steps listed below.

  • Inform the insurer

Navi General Insurance Company should be notified immediately if the bike is stolen, is involved in an accident, or has suffered any damage. One can file a reimbursement claim by contacting the toll-free number 1800 123 0004, sending an email to, using the mobile app, or visiting the insurance company's nearest branch.

  • Register the claim

The insurance company's customer service representative will contact the policyholder. One must tell the executive of the policy number as well as the specifics of the accident. The executive will explain the procedure and provide a claim registration number.

  • Review of the damages

After filing a claim, the insurance company dispatches a surveyor to the scene of the accident or mishap to assess the extent of damage to the insured bike. One can take the bike to a garage for repairs after the damage has been assessed.

  • Repair and reimbursement

After the repairs are completed, one must provide original bills and policy paperwork, and other needed documents to the insurance company to file a reimbursement claim. After verifying the documentation, the insurer pays out the claim amount after deducting the deductibles and depreciation.

Common Navi Bike Insurance Claim Rejection Reasons

Navi General Insurance Company provides guidelines that every policyholder must follow to get their claim processed. In a variety of situations, the insurance company has the power to deny a bike insurance claim. Such situations include:

  • Act of indifference
  • Facts are misunderstood
  • The filing of a fraud claim
  • Inadequate information to process the claim
  • Delayed notification of the accident to the insurance company
  • Accidents occurring because of intoxicated driving or rider driving without a license.

Navi Bike Insurance No-Claim Bonus   

The Insurer offers the no-claim bonus (NCB) for every claim free year.  This reward is granted for safe driving to the policyholder for each year without a claim, and it is cumulative.

With each consecutive claim-free year, the NCB amount grows. One can get the maximum NCB by the fifth claim-free year. If the policyholder files a claim in any year, he may not get his NCB. To prevent losing the NCB, policyholders are advised to file bike insurance claims only when the damage caused is substantial and exceeds the NCB. 


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 29 Reviews)

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Navi Bike Insurance Claim Reviews & Ratings

4.8 / 5 (Based on 29 Reviews)
(Showing Newest 10 reviews)
Ranchi, October 09, 2021
Less paperwork
There was no paperwork while buying Navi Two Wheeler Insurance online from the website of Policybazaar. The company showed me a lot of features in add on cover and I chose only 2 covers which is Road Side Assistance Cover and Hospital Cash Cover.
Nashik, August 18, 2021
Affordable plans
Somebody suggested me to buy two wheeler insurance for my new bike then i found an affordable plan on the policy bazaar website.i bought the Navi two wheeler insurance policy. as compared to others policy bazaar service is very good and hassle free.
, June 15, 2021
Protection for my two wheeler
I have protected my bike by getting a navi two wheeler insurance policy from the website of the policybazaar. I really like the plan and it has been a blessing for my bike.
, June 15, 2021
Cost effective plans
One of the best thing I like about policybazaar is that they provide such two wheeler companies list who has cost effective two wheeler plans. I got the plan of navi two wheeler insurance policy and that is relevant for my bike.
Hamirpur, June 04, 2021
Compare and buy it
I always prefer to compare and buy the two wheeler insurance policy. So, I visited to the website of the policybazaar and found the dhfl two wheeler insurance plan. The plan has so many features and it is available in affordable premiums.
Vadakara, July 02, 2020
Easy policy
The policy taken by policybazaar is quite genuine. And I really like the services provided by them.
G.k. Bhatar, June 30, 2020
Cover for all
The policy is available for everyone. You can just visit the website and check the best one for you.
Adaspur, June 29, 2020
The assistance of claim given by the policybazaar is quite quick and hassle free.
Allahabad, June 29, 2020
So, I got my two wheeler insured from policybazaar and because of that I got the membership of automobile association of India.
Vadnagar, June 20, 2020
I got a good number of benefits while I associated with policybazaar. With less premium amount I got good discounts in the prices.

^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis