2 Wheeler Insurance: How to File a Claim Without Any Hassle

Did you know that any discrepancies in the claim form or documents may result in your two-wheeler insurance claim being rejected? These may include fraudulent claim registration, misinterpretation of facts, improper data, an act of negligence, etc.

In this article, you will learn about the documents and the procedure to claim two-wheeler insurance and ensure a seamless claim-filing experience.

What are the Documents to Carry for the 2 Wheeler Insurance Claim Process?

Depending on the case, you may need to submit the following documents for the two-wheeler insurance claim process:

1. Accident Claims

1. Valid bike insurance policy

2. Registration Certificate (RC) and FIR copy

3. Driving license and repair estimate

4. Vehicle damage proof through videos and photos (if available)

5. Original repair receipts and bills in case of reimbursement

6. Duly filled out claim discharge form 

7. Cancelled cheque for payment purposes

1. Theft Claims

1. A duly filled claim form and cancelled cheque

2. Original copy of the FIR, registration certificate, and policy documents

3. Driving license and bike keys

4. Original purchase invoice if a return-to-invoice is available

5. Non-traceable certificate

6. RTO forms (28, 29, 30, 35) and NOC from the financier (if applicable)

1. Third-Party Claims

1. Claim form and insurance policy papers

2. FIR and RC copy

3. Driving license and pictures of the damage

4. Third-party supported legal notice

How to File a Claim for Your 2 Wheeler Insurance Policy?

You must have a third-party or comprehensive bike insurance policy to file an insurance claim for your bike. Based on the claim type, here are the following steps:

1. Accident Claims

Go through these steps if you are wondering how to claim two-wheeler insurance after an accident:

1. Lodge a quick FIR at your nearest police station in case of accidents caused by any major damage, third-party involvement, or theft.

2. Take the witness’s statements, and avoid moving your vehicle without permission.

3. Inform the insurer within the stipulated timeframe so that a surveyor can inspect the damage.

4. Submit necessary documents so that you can quickly get approval from the insurer.

5. Select your preferred repair option. For example, you can either opt for the cashless network garage provided by your insurer or find another garage and use the reimbursement approach to submit the bills later.

6. After successful verification of the submitted documents, your insurance company will approve the claim settlement process.

1. Theft Claims

The two-wheeler theft insurance claim procedure falls under the total loss insurance claim 2-wheeler category. Here are the following steps:

1. File an FIR immediately and inform your insurer.

2. Submit necessary documents as needed.

3. Get a non-traceable certificate from the police.

4. Based on IDV, your insurer will settle the claim.

1. Third-Party Claims

To avoid settling anything directly with the third party, consider the following steps:

1. Inform the police and insurer about the damage. Do not settle any deal out of court involving the third party.

2. Gather third-party insurance details.

3. Share the legal notice with the insurer that you have received from the third party.

4. Upon inspection and verification, you will be assigned a lawyer for the claim.

5. Submit all the essential documents.

6. The claim assessment will be done by the Motor Accident Claims Tribunal (MACT).

7. The tribunal will then decide the compensation amount.

Note: This process is applicable only in case of property damage, death, or injury to a third party.

Best Practices for a Smooth 2 Wheeler Insurance Claim Experience

Here are some healthy practices to help you avoid unnecessary claim rejections or delays:

1. Before the surveyor’s assessment, ignore any unauthorised repairs.

2. Ensure you have an updated and renewed policy to avoid any claim rejection due to lapses.

3. Rather than delaying notification, take prompt action at the time of reporting incidents.

4. Double-check to see if all the documents are filled out correctly.

5. Follow up daily on the claim status and offer additional documents promptly (if and when requested).

To ensure maximum protection for your two-wheeler, choose one of the leading motor insurance companies like Bajaj General Insurance to achieve clear settlements.

Final Words

When it comes to buying a comprehensive bike insurance policy or going through the claim settlement process, stay attentive. Be well-prepared in advance and follow the right insurance claim rules to ensure a hassle-free claim submission.