What are the Documents Required for a Bike Insurance Claim?

What are the Details Required to File a Bike Insurance Claim?

As soon as there is an accident/theft of your bike, you need to register a two-wheeler insurance claim with your insurer by calling their helpline number. Most insurance companies require the following details from their customers to file a bike insurance claim:

• Policy number
• Name and contact details of the policyholder
• Bike make, model, and registration number
• Date, time, and location of the incident
• Brief description of accident/theft
• Garage details where the bike is sent for repair
• Details of other vehicle (if applicable)
• Details of the person informing the insurer (if not the policyholder)

List of Documents Required to File a Two-Wheeler Insurance Claim

Here is a comprehensive list of documents that you should keep handy while filing a two-wheeler insurance claim:

1. In Case of Cashless Bike Insurance Claim

   If you opt for a cashless claim at a network garage, keep these bike claim documents ready:

   • Copy of bike insurance policy / cover note
   • RC copy
   • Driving licence copy
   • Duly filled claim form
   • Garage repair estimate
   • FIR (if third-party injury, death, or theft involved)

   The garage usually coordinates directly with the insurer after surveyor approval.

2. In Case of Reimbursement Bike Insurance Claim

   If repairs are done at a non-network garage and you claim later:

   • All documents listed above
   • Original repair bills and payment receipts
   • Repair invoice with garage stamp and signature
   • Damage photographs (recommended)

3. In Case of an Accidental Bike Insurance Claim

   Make sure to have the following documents/information handy:

   • Proof of bike insurance/ copy of the cover note
   • Copy of the bike's Registration Certificate (RC) and original tax receipts for verification
   • Duly filed and signed two two-wheeler insurance claim form
   • Copy of Police FIR report in case of a third-party death, damage and bodily injuries
   • Copy of your driving license
   • Payment receipts and repair bills from the garage once the repair job is completed
   • Damage repair estimate
   • Claims Discharge plus Satisfaction Voucher (to be signed across a revenue stamp)

4. In Case of Theft-related Claim

   Make sure to have the following documents available:

   • Original two-wheeler insurance policy document
   • Original RC
   • Tax payment receipt
   • Theft endorsement/declaration from the concerned Regional Transport Office (RTO)
   • Service booklets, duplicate bike keys and the warranty card
   • Previous 2-wheeler insurance details, such as:
     • Bike insurance policy number
     • Insurance company details
     • Duration of the policy period
   • Police FIR, Judicial Magistrate First Class (JMFC) report and final investigation report
   • An approved copy of the letter addressing the concerned RTO regarding the theft and declaring the bike as "NON-USE"
   • Claim Discharge Voucher signed across a revenue stamp

5. In Case of Total Loss (TL) or Constructive Total Loss (CTL) Claim

   In case the repair cost exceeds 75% of IDV, you need to provide the following documents:

   • Forms 28, 29, and 30 signed by the policyholder
   • Letter of subrogation
   • Form 35 (if financed)
   • Financer NOC
   • Consent for claim settlement value
   • Claim discharge voucher

6. On Admission of Liability

   Make sure to have the following documents:

   • Forms 28, 29 and 30 signed by the policyholder
   • Letter of subrogation
   • Form 35 signed by the Financer on the admission of liability of the insurance company
   • Consent towards the decided claim settlement value from the insured and the financer
   • NOC (No Objection Certificate) of the Financer if the claim is to be settled in favour of the policyholder
   • Claim Discharge Voucher that is signed across a revenue stamp

7. In Case of Third-Party (TP) Bike Insurance Claims

   If your bike causes injury or property damage to another person:

   • FIR copy (mandatory)
   • Insurance policy copy
   • RC and DL copy
   • Court summons (if applicable)
   • Claim form

8. In Case of Pillion Rider or Personal Accident Cover Claim

   To raise PA cover claims, provide the following documents: 

   • FIR (in case of serious injury)
   • Medical reports and hospital bills
   • Identity proof of the injured person
   • Insurance policy copy
   • Claim form

9. In Case of the Bike is Financed (Hypothecation Case)

   If your bike is under a loan:

   • Form 35 signed by the financer
   • Financer NOC
   • Consent on the settlement value

10. In Case of Second-Hand Bike Insurance Claim

    If ownership was recently transferred:

    • Updated RC in your name
    • Transferred insurance policy copy
    • Sale agreement (if required)

When is FIR Mandatory for a Bike Insurance Claim?

An FIR is mandatory in case of:

• Bike theft
• Third-party injury or death
• Major road accidents involving another vehicle. For minor own-damage claims, FIR may not be required.

Things to Consider While Filing a Two-Wheeler Insurance Claim

The following things should be considered while filing a two-wheeler insurance claim:

• Remember to immediately inform the police in any case
• Assess the loss and damage sustained by your two-wheeler
• Make sure to immediately inform your bike insurance company about the accident if you want a timely settlement of your claim
• Refrain from any argument with other drivers, and let the police and your insurer assess the damage
• Simply follow the bike insurance policy terms and conditions to enjoy a hassle-free claim procedure

Most Common Reasons for Bike Insurance Claim Rejection

Here are the most common reasons for bike insurance claim rejection:

• Incorrect information provided in the two-wheeler insurance claim form
• Delay in informing the insurance company about the accident/theft
• Expired policy or pending bike insurance renewal
• Riding the insured bike under the influence of alcohol or other intoxicating substances
• Driving a bike without a valid driving licence

You may like to Read: Common Mistakes While Filing a Claim for Bike

How to Avoid Bike Insurance Claim Rejection?

Follow the tips given below to prevent your bike insurance claim from being rejected:

• Renew your two-wheeler insurance policy on time
• Inform your insurance company about the accident/theft as soon as possible
• If you buy a second-hand two-wheeler, transfer the ongoing bike insurance policy to your name
• Do not make any fraudulent claims
• Make sure the RC of the bike is valid and under your name
• Check the geographical limit of your bike insurance policy, as the insurer will not cover accidents/thefts outside this limit
• Inform the insurer if you make any modifications to your bike
• Take clear pictures of your bike damage as evidence of the accident

Who Submits the Documents — You, Garage, or Insurer?

• In cashless claims: Garage coordinates most paperwork
• In reimbursement: Policyholder submits all documents
• In theft/total loss: Policyholder handles RTO and police documents

FAQs - Documents Required for Bike Insurance Claim