Smart Inspection Process for Seamless Claim

With digitalization, everything is possible at the fingertips. You can easily sell, purchase, renew or cancel any kind of service online. Talking about the insurance sector, almost every insurer or aggregator has a mobile application on which customers can purchase an insurance policy. Not just this, customers can cancel, renew and even raise claims online. Two-wheeler policyholders can even smartly get the inspection done using their smartphones with the help of internet connectivity.

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What Is In It For Insurer & Consumer Both?

With the help of your smartphone’s camera and internet connectivity, you can make the whole experience starting from purchasing the two-wheeler insurance to raising claims very easy. Consumers can enjoy the services provided by the insurer at the comfort of their homes and the insurer can fulfill the customer's needs while sitting at their office desk.

Insurance Cover Should Work as a Healer

You purchase the insurance policy to get coverage for any kind of unexpected loss or damage caused to your two-wheeler but when it comes to filing a claim and going through the entire process to successfully get compensation, it turns into a hectic and hassling experience.

Therefore to get a hassle-free experience at the comfort of your home and at your fingertips, a smartphone with internet connectivity becomes vital. Since everyone has a smartphone now a days, insurance services can be facilitated to the full extent.

How Is Smart/Mobile Inspection Helpful?

If you have a two-wheeler and you have raised a claim offline then you can understand how hectic it used to be. Since the only purpose of purchasing the bike insurance is to get financial aid by raising a claim.

You have to contact the insurer and inform them about the damage then they send an inspector to inspect the damage before providing coverage then you either take the bike to a network garage where the insurer pays for the repairing on your behalf or take your bike to a non-network garage where you have to make the payment out of pocket and later on the insurer reimburse the paid amount.

With the help of smart/mobile inspection, you can easily record a video of the damage caused to your bike and send it by mail with a duly filled claiming form. To make it easier to understand you can explain the reason for the damage on the video recording itself. This would make eliminate all the hassle that you used to go through when the smartphones and smart inspection process were not there. Not just this, the smart inspection eliminates something else to make the process even smoother.

Elimination Inspector As You & Smartphone Takes Its Place

When you own a bike or any kind of vehicle, you are the one who knows about it more than anybody. Since human errors happen every now or then, the inspector’s sent by the insurance company can either unintentionally or due to human error such as forgetfulness can become a hurdle in a smooth claiming process.

But when you do everything yourself from recording the video of the damaged parts of your bike to explaining it in the video recording, you eliminate the risk of missing anything important as well as any kind of human error.

How It Gets Better For Insurer & Policyholder Both?

With the smart inspection in place, the insurer does not have to invest in the travel expenses of the insurance broker or inspector to visit the consumer’s place. With the self-inspection process in place, the insurer can settle the claim quicker than usual. They can easily settle a two-wheeler insurance claim within 24 hours and it will help them outshine among all the insurance companies in the market.

Whereas the policyholder can also raise a claim and do not have to go through all the hassle to raise a claim get it settled. It becomes as easier for the insurer as it becomes for the policyholder.

Wrapping It Up

In this fast-moving world, time is everything. We try and save time anywhere possible to make things comfortable and hassle-free for ourselves. This self-inspection process can save a lot of time for both insurers as well as the policyholders.

Apart from this, the insured can purchase, renew, add or remove any add-ons as well as calculate the insurance premium amount at their fingertips using the mobile application or by visiting the official website of the insurer or any insurance web aggregator. To make their service better every day the best two wheeler insurance companies and the insurance web aggregators also provide 24*7 assistance to the insured in case they get stuck anywhere during the claiming process.

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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^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