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
• 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 of the accident/theft and the extent of loss or damages sustained
• Garage/workshop's name and contact details where the insured bike is getting repaired
• Details of the other vehicle in case of an accident
• Name and contact details of the person informing about the claim (if someone on behalf of the policyholder is registering the claim)

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. If it is an Accidental Damage:

   Make sure to have the following documents/information handy:

   • Proof of bike insurance/ copy of the cover note
   • Copy of bike's Registration Certificate (RC) and original tax receipts for verification
   • Duly filed and signed 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)

2. If it is a 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

   You may like to Read: Bike Theft Claim Settlement Process

3. 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 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 the favour of the policyholder
   • Claim Discharge Voucher that is signed across a revenue stamp

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 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

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

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

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 damages as evidence of the accident