Bike Insurance Claim

Knowing your Bike Insurance Claim process will help you in a long way.


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Buying a bike of your choice might be the biggest milestone of your life.

Therefore, it is important to ensure that any damage to your dream machine is fully covered by the right kind of Bike Insurance. In case of an accident or a mishap, claiming a bike insurance policy may become trickier. You would like to know the exact process of claiming the bike insurance cover.

Types of Bike Insurance Claims

Cashless Claims Settlement

Cashless Claims Settlement

Since this entire process of claiming the bike insurance is cashless, you don’t have to shell out a single penny from your pocket. Any empanelled garage with your bike insurance company will offer you this cashless facility. Your bike insurance company will settle the claim with the authorized garage directly!

Reimbursement Claim Settlement

Reimbursement Claim Settlement

You have to intimate your bike insurance company about the mishap or the incident, get your bike repaired by paying from your pockets and then raising a claim for the same. Your insurance company will then disburse the amount of claim to your bank account.

Step by Step procedure for making Bike Insurance Claim

  • Intimating your Bike insurance company: Informing your Bike insurance company as soon as the incident occurs is very important. There might be timelines that your insurer may have, so do follow the same. You may call on the toll-free number of your Bike insurance company to register a claim.
  • Lodging a FIR: Yes, informing the cops is very important. If you think you are smart enough and that you can conveniently miss out on this step, you are absolutely WRONG! Your Bike insurance claim won’t be settled without a FIR in place. Do keep a copy of the FIR for your future reference too
  • Evaluation of the damages caused: The insurance company will assign a verifier or a surveyor to inspect your Bike once you intimate the claim. If you wish to avail the cashless claim, you can get your Bike towed at the nearest network garage to get the repairs done. Experts suggest not to tow the Bike on your own. Mostly, Bike insurance companies align a schedule for the inspection within a day or two of the Bike insurance claim.
  • Claim settlement: Once the scrutiny of your Bike takes place your Bike insurance company will send you as well as the garage a letter of approval for the estimated repair costs. The settlement would be done by your Bike insurer directly to the garage in case you go the cashless way. However, if you follow the reimbursement style, you will have to pay from your pocket first and then claim the amount from your insurer.

  • Intimating the cops: Intimate the cops as soon as possible post the incident. Either you or the third-party involved would be required to file a FIR at a local police station. Do keep a copy of the FIR for your future reference too, especially if you are aware that the third-party property was damaged due to your negligence.
  • Share the Bike insurance policy documents: Even if you do not wish to, you will have to share your Bike insurance policy documents to the third-party for them to make a claim.
  • Claiming in the Motor Tribunal: The third-party would be required to make a claim at the Motor Tribunal as per the Motor Vehicles Act, 1988. This can be done either at the accident spot or at a place where the victim resides or the driver involved resides or the owner of the insured Bike resides.

  • Lodge a FIR: You will definitely freak out on knowing that your Bike has been stolen. Therefore, follow the first step of lodging a FIR at the soonest possible in a local cop station.
  • Inform your insurer: Immediately raise a claim for your stolen Bike post completing step1. You will need to submit documents such as your car’s RC book, FIR copy, the first two pages of your Bike insurance policy document and the driver’s license copy. You will also need to submit the detailed letter that should be addressed to the Regional Transport Office.

Some of the frequently asked questions about Bike Insurance Claim?

Off course, you can get these accessories insured during the policy period. All you need to do is send a request letter to your insurance company and the rest would be taken care.


  • Immediately intimate your bike insurance company in case your bike gets stolen
  • Lodge an FIR at the nearest cop station
  • Lodge the claim with the insurance company by filing the claim form
  • Handover the original bike keys along with your driving licence copy, bike  insurance copy and the RC book of your bike
  • Submit the FIR copy along with the ‘No Trace Report’ to the insurance company
  • Duly filled and signed claim form
  • FIR for accidental damage
  • Copy of first two pages of your bike insurance policy document.
  • Copy of valid vehicle Registration Certificate (R.C.)
  • Copy of valid Driving License (D.L)
  • Original repair bill, cash receipts, as well as proof of release

Yes, always remember to first inform your bike insurance company about the repairs and be transparent about all the repair costs and other expenses with the insurer. It's a good practice to inform the bike insurer since it makes your bike insurance claim process smooth and fast

Bike Claims

Buying a bike insurance plan for your beloved two-wheeler is one way of showing your love and care towards your prized possession. But, that’s just not enough. There might be times when the need to claim your bike insurance may occur. Therefore, having a complete understanding of the bike insurance claims process is of utmost importance. Simply put, having a first-hand knowledge of the claims process will bail you out from some of the trickiest situations.

Your Policy

You may have bought an insurance policy, yet have thousands of queries and doubts. Our ‘Your Policy’ section is the fastest way to resolve your insurance related doubts and queries. All you need to do is attach your active insurance policy and write to us about your queries. We never let our customers down.

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