Confused about how to claim bike insurance? Here’s a step-by-step guide on filing cashless and reimbursement claims for bike accidents, theft, and damages in India.
Introduction
Bike insurance is not just a legal requirement in India but also a financial safety net for every two-wheeler owner. However, many people don’t know the exact process of how to claim bike insurance in case of an accident, theft, or damage. Agar aapko bhi ye doubt hai ki bike insurance claim kaise karein, toh is article me aapko step-by-step guide milegi.
Types of Bike Insurance Claims
Before learning the process, it’s important to know the two types of bike insurance claims:
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Cashless Claim – Repair at an insurer’s network garage; bills paid directly by the insurance company.
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Reimbursement Claim – Get your bike repaired at any garage, pay the bill, and later get reimbursed by the insurer.
Step-by-Step Guide: How to Claim Bike Insurance
1. Inform the Insurance Company Immediately
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Accident ya theft ke case me within 24 hours insurance company ko inform karein.
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Call customer care or use the mobile app/website.
2. File an FIR (if required)
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Theft or major accident me FIR (First Information Report) lodge karna zaroori hai.
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Minor scratches or damages ke liye FIR ki requirement nahi hoti.
3. Submit Documents
Insurance company ko kuch basic documents dena padta hai:
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Policy document
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Registration Certificate (RC)
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Driving License
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FIR copy (if applicable)
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Repair bills (in case of reimbursement)
4. Survey & Inspection
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Insurer ek surveyor bhejega jo bike ke damage ka assessment karega.
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Survey ke baad hi repair approval milega.
5. Repair Process
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Cashless claim me, aap bike ko insurer’s network garage me repair karwa sakte hain.
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Reimbursement claim me, aap pehle payment karenge aur fir bills insurer ko bhejenge.
6. Claim Settlement
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Cashless claim me, directly insurance company garage ko pay karti hai.
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Reimbursement claim me, insurer aapke bank account me paisa transfer karta hai.
Documents Required to Claim Bike Insurance
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Original policy document
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Registration Certificate (RC) copy
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Driving License copy
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FIR (if required)
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Repair estimate and final bills
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Claim form (duly filled)
Common Reasons Why Claims Get Rejected
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Driving without a valid license
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Drunk driving during accident
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Expired insurance policy
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False information in claim form
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Delayed reporting of accident
FAQs
Q1. How many times can I claim bike insurance in a year?
👉 Usually multiple claims allowed, but No Claim Bonus (NCB) will be affected.
Q2. Can I claim bike insurance without FIR?
👉 Yes, for minor damages. FIR needed only in theft/major accident cases.
Q3. How long does a bike insurance claim take?
👉 Cashless claims usually settle within 7–10 days, reimbursement may take 15–30 days.
Conclusion
Ab aapko clear hai ki how to claim bike insurance in India. Hamne step-by-step process, required documents, and common reasons for rejection samjhaya hai. Accident ya damage ke case me hamesha insurance company ko jaldi inform karein aur sahi documents ready rakhein.
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