What are the Documents Required for Bike Insurance Claim?

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)

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"

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

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.