Documents Required for Filing Two-wheeler Insurance Claim:
In case you have to file a two wheeler insurance claim, you need to register your claim at the insurer’s helpline number as soon as there is an incident.
Details Required to Lodge a Bike Insurance Claim are Listed Below:
More or less most of the two wheeler insurance companies require the following details from their customers who are filing a claim for bike:
- Policy number
- Contact Details
- Name of the policyholder
- Two Wheeler’s make and model
- Two Wheeler’s registration number
- Time and date of the accident
- Brief description of the incident/accident/theft
- Location and extent of loss
- Workshops’ name and contact details
- Personal details of the person informed about the claim (if someone on behalf of the policyholder is registering the claim)
You may like to Read: How to File Two Wheeler Insurance Claim |
Here is a comprehensive list of documents that you should keep handy while filing a bike insurance claim:
If it is an Accidental Damage:
Make sure that you have the following documents/information handy:
- Proof of Two-wheeler Insurance / Copy of Cover Note
- Copy of Bike’s RC, and original tax receipts for verification
- Police FIR report while reporting a third-party death, damage and bodily injuries
- Copy of your original driving license
- Payment receipts and repair bills once the job is completed
- Damage repair estimate
- Claims Discharge plus Satisfaction Voucher (to be signed across a revenue stamp)
If it is a Theft Related Claim:
Make sure that you have the following documents available:
- Original Two-wheeler Insurance Policy Documents
- Original RC
- Tax payment receipt
- Theft endorsement from the concerned Regional Transport Office
- Service booklets/bike keys and the warranty card
- Previous Two-Wheeler Insurance Details:
- Two-wheeler insurance policy number
- Insurance company details
- Duration of the policy period - Police FIR/ JMFC report/ Final investigation report
- An approved copy of the letter addressing the concerned RTO regarding the theft and declaring the bike as "NON-USE"
You may like to Read: Bike Theft Claim Settlement Process |
On Admission of Liability:
- Form 28, 29 and 30 signed by the policyholder
- Letter of subrogation
- Form 35 signed by the Financer on the admission of liability of insurance company
- Consent towards decided claim settlement value from the insured and the Financer
- NOC of the Financer if the claim is to be settled in the favor of the policyholder
- Claim Discharge Voucher that is signed across a Revenue Stamp
Things to Consider While Filing Two-wheeler Insurance Claim
- Remember to immediately inform the policy in any case
- Assess the loss and damage that has incurred to your two-wheeler
- In any case, make sure that you immediately inform your insurance company about the accident if you wish to enjoy timely settlement of your claims
- 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
You may like to Read: Common Mistakes While Filing a Cliam for Bike |
Bottom Line
Taking into consideration the above-mentioned points, taking bike insurance is not merely an option but it has become inevitable to tackle the risks involved while driving your vehicle on the Indian roads. Sometimes, two-wheeler insurance may cross your budget but it is definitely worth the expense and once realizes only when an emergency strikes. Wisely choose a bike insurance policy and pick one that offers your adequate coverage in a cost-effective manner. Undoubtedly, a two-wheeler insurance policy lets enjoy your peace of mind and let you enjoy your ride.