Oriental Bike Insurance Claim

Oriental General Insurance offers seamless services and helps you register bike insurance claims both offline and online. While raising a bike insurance claim, ensure to follow the required procedure and keep all the required documents handy. However, for both reimbursement and cashless claims make sure that the insurer is informed immediately in case of theft or accident involving the insured bike.

Read more
Insure bike in 60 seconds
1.1 Crore+ Bikes Insured
94% claims settled#
Get Two Wheeler Insurance starting at only ₹1.3/day*
Enter bike number (e.g DL1SB1234)
Processing

List of Documents Required During Claim Settlement

The following is a list of documents that are generally necessary for raising claim for the Bike Insurance -

  • Accurately filled form of the claim
  • Copy of the policy document and premium receipt
  • First Information Report (FIR) / Police Panchanama
  • Investigation report from the police (if and when necessary)
  • Photocopies or video proof of the damage
  • Original copy of the individual’s driving license, along with a Xerox copy
  • Original copy of the vehicle’s Registration Certificate (RC), along with a Xerox copy
  • Cost estimation slip from a vehicle repairer (for when there are damages to the vehicle)
  • Authentic bill copies related to the repairs of the vehicle
  • Road tax verification (if and when necessary)
  • Proof of age
  • Death certificate (if and when required)
  • Postmortem report (if and when needed)

The following is a list of documents that are required for raising a claim in the case of the involvement of a third party-

  • Xerox copy of the policy along with the receipt of the premium(s)
  • FIR copy
  • Driving license copy
  • Statement regarding the accident (from the driver)
  • Personal details of the injured/killed person in the accident
  • Address details of the police station where the accident was reported
  • Address details of the hospital that admitted the injured/killed person
  • Injury certification/ Postmortem report copy
  • Vakalatnama (should be signed by both the driver and owner of the vehicle)
  • Third party's details of the damage and loses

How to Make Cashless Oriental Bike Insurance Claims?

The insurance provider should be made aware of the incident within twenty-four hours of its occurrence. You can also file claims on the Policybazaar’s website. You can go to the Two-wheeler Insurer>> Claims Section and fill in the required information. Further, there are four steps to complete the process of claim-making; they are listed as below-

  • Connect with the Insurance Company- You need to inform the Insurer at their helpline numbers, official website, or by visiting a branch near to them. You can also get in touch with the claim experts at Policybazaar.com or write to them at care@policybazaar.com
  • Claim Registration- Once the Insurer is informed; a representative will get in touch with you. You will need to provide details regarding your policy, like the policy number and where and when the incident occurred. The company employee will then inform the customer of their claim registration numeric code.
  • Damage Survey- After a successful claim registration, a surveyor from the insurance company would analyze the damages. The employee would then make a cost estimation of the repairs and replacements required. Customers are asked for the necessary documents and proof regarding the incident.
  • Settlement of the claim- Once the survey is completed and the documentation is completed; the Insurer will settle the claim amount.

How to File Oriental Bike Insurance Reimbursement Claims? 

Similar to a cashless bike insurance claim, there are four steps for a reimbursement claim, they are briefly discussed below-

  • Connect with the insurance company- The Company officials can be contacted via the official website, helpline numbers, or by visiting the nearest branch office. Youcan file the claim through Policybazaar Insurance Brokers Private Limited and speak to their insurance experts for the same.
  • Claim registration- One of the Insurer’s representatives would get in touch with you. This employee would collect details regarding the policy and incident. Once done, the representative will provide the customers with a claim registration numeric code.
  • Damage Survey- Before the vehicle is taken for repairs, one of their representatives will survey the damages incurred. You would need to submit the necessary documents to the employee, who will provide a cost estimation slip. Documents include appropriate claim papers, witness details, etc.
  • Reimbursement of Expenses- The policyholder can now get the two-wheeler repaired in a garage of their choice; the policyholder themselves should bear the repair cost. After the vehicle is restored, the required documents like receipts and bill slips should be submitted to the insurance company.

Common Claim Rejection Reasons

Some specific reasons and conditions result in the rejection of a claim. Few such reasons that can potentially lead to rejection of Oriental bike insurance claims are given below-

  • Incidents that occur due to negligence on the part of the policyholder
  • Incidents that occur when the policyholder does not possess a driving license on them
  • Misapprehension of statements
  • Raising a bogus claim
  • Incidents that occur when the driver is under substance influence (DUI)
  • Inability to report the incident to the insurance company in the set period of twenty-four hours

Oriental Bike Insurance No Claim Bonus

The Oriental Bike Insurance Claim Policy also provides for a No Claim Bonus. The bike insurance no-claim bonus is cumulative in nature and is accrued over every year with zero claims raised by the customer. NCB can go up to 50% for not filing a claim for 5-consecutive policy years. If the policy is not renewed timely NCB becomes null and void.

FAQs

  • Q1. How can I furnish proof when filing an Oriental Bike Insurance claim?

    Proofs of the incidents can be produced in the form of photos, videos, and statements from bystanders.

  • Q2. Can a customer raise an Oriental Bike Insurance claim for damage resulting due to natural disasters?

    Yes, customers can claim when there is damage because of natural disasters like cyclones or storms, provided the conditions are found satisfactory by the insurance company.

  • Q3. Is Oriental Bike Insurance claim easy to file?

    Yes, the insurer provides an easy and hassle-free method online as well as offline to file bike insurance claims.

new-compare-save-upto-85-on-bike-insurance-mobile
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
new-bike-insurance-1-3-rs

Two Wheeler Insurance Articles

  • Recent Article
  • Popular Articles
04 Jul 2025

How Bike Insurance Add-Ons Can Help You Save on...

A standard or comprehensive bike insurance policy provides a

Read more
02 Jul 2025

Is Roadside Assistance Add-On Really Useful for...

The joy of bike riding comes with unforeseen troubles like flat

Read more
27 Jun 2025

Two-Wheeler Anti-Theft Tips When You Leave For a...

Going on a vacation with your loved one is exciting, but leaving

Read more
24 Jun 2025

Zero Dep vs. Engine Protection Cover: Choosing...

Choosing the right bike insurance add-ons saves you from

Read more
20 Jun 2025

Best Bike Insurance Add-Ons for Long-Distance...

Long-distance motorcycle touring in India is a thrilling

Read more

Three Easy Ways to Check Bike Insurance Expiry...

In India, you must have a valid bike insurance policy for your two-wheeler and renew it before its expiry. In case

Read more

How to Get Bike Insurance Details by Vehicle...

In India, as per the Insurance Regulatory and Development Authority of India (IRDAI), all bike owners must hold at

Read more

Get Your Vehicle Fitness Certificate from RTO

The Fitness Certificate (FC) of a vehicle is an official document that certifies the vehicle is fit enough to run

Read more

How to Check Bike Insurance Status Online via...

Have you ever wondered what will happen if your bike insurance policy expires? Riding your uninsured bike in India

Read more

Check Vehicle Owner Details by Registration Number

Vehicle owner details can come in handy in various situations, such as road accidents, cases of reckless driving

Read more

^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 is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial).The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively.Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in