Can You Raise Claim Under Bike Insurance with a Temporary Vehicle Registration Number?

What is a Temporary Vehicle Registration Number?

A temporary vehicle registration number is an alphanumeric code allotted by the bike dealer to legally ride the two-wheeler. It is legally valid for up to 30 days, giving considerable time to get your vehicle registered with the local RTO.

Benefits of Temporary Bike Registration Number

A temporary number allows you to avail off the following benefits:

• Legally ride your bike during the interim period.
• Buy bike insurance online with the help of chassis number and engine number.

File bike insurance claim if your bike is damaged in an accident with a temporary registration number.

Can You File an Insurance Claims with a Temporary Bike Registration Number?

Yes, you can easily raise a bike insurance claim with a temporary bike registration number. Your insurer will compensate for all the damages and losses sustained by your two-wheeler even if you do not hold a permanent bike number. As the two-wheeler insurance policy is issued based on the chassis number and engine number, the compensation process becomes easier for the insurer.

However, once you get the permanent registration number, connect with your insurer and get it updated it. The insurer can connect with you in the following two ways:

• They can connect with you and update their records via feedback, service, welcome or endorsement call.
• During policy renewal, it is mandatory to provide your permanent bike registration number.

Step-by-Step Process to Raise a Bike Insurance Claim with a Temporary Registration Number

The claim process for raising a bike claim with a temporary registration number is similar to the bike with a permanent registration number. However, the insurer will ask for the engine and chassis number to update it in their system and make the insurance claim process easy.

Here are a few steps that you need to follow to raise a claim under your online bike insurance:

1. Intimate Your Insurer

   Firstly, you will connect with your insurer and provide the information about the mishap & damages caused to your insured bike. The insurer will ask you for the temporary bike registration number. Remember, always be transparent with your bike insurer while sharing the information related to your mishap.

2. Fill and Submission of the Claim Form

   Download the bike insurance claim form from your insurer's website or mobile app. Fill in the details properly and attach the required documents to submit it. If you are raising the claim offline, you can visit the nearest branch office of your insurer, and your designated agent will help you in filling & submitting the form.

3. Assessment & Evaluation

   Next, your insurance provider will assign a dedicated surveyor to calculate the damages & caused to the insured bike. According to it an assessment report will be designed by the surveyor, and based on which the insurer will accept or deny the claim proposal.

4. Get Your Bike Repaired

   Once the insurer approves your claim proposal request, you can send your damaged bike for repair.

   In the case of a cashless claim settlement process, the insurer will send the damaged bike to the nearest authorized network garage to fix all the damages. Next, you can take your bike from the garage without paying the repair bill except for the deductibles, as it will be settled by the insurer.

   In case of a non-cashless claim process, you will have to take the insured bike to any garage and settle the bill from your own pocket once your bike gets repaired. Next, ask for the repair bills from the garage owner and send the bills to the insurer. Once the submitted bills and invoices have been verified, the insurer will reimburse the repair amount to your bank account.

   Key Points to Remember While Raising Bike Insurance Claims With a Temporary Vehicle Registration Number

   • Ensure that you have a valid bike insurance policy before taking your new vehicle on the road.
   • A temporary registration number is legally valid, and insurers accept claims against it.
   • Always update your permanent registration number with the insurer once issued.
   • Keep all necessary documents handy while raising the claim to avoid delays.