Ever crashed your bike and just sat there, not sure what to do? That’s when having a simple, fast insurance claim process really saves you from paying out of your own pocket.
Move ahead with your two-wheeler insurance claim in a hassle-free process, no matter what time of day it is. Keep reading to know how to file a 2 wheeler insurance claim and the required documents, and the common reasons that lead to claim rejection.
How to Easily File a 2-wheeler Insurance Claim?
You can claim 2-wheeler insurance for theft, accidents or damages, including own damage or third-party damage, through a convenient process. Register your claim in just a few clicks and upload the necessary documents online.
Step 1: Register Your 2-wheeler Insurance Claim
- Visit your insurer’s website or customer portal to initiate a claim. Click the “My Claim” option under the claim section to start your 2-wheeler insurance claim process.
- Enter basic details, time, location and date of the accident, any involvement of a third-party. Additionally, submit vehicle inspection address, narration of accident, driver’s license number and license expiry date to complete the claim registration process.
- Once your claim is registered, you will receive an SMS with your 2-wheeler claim number on your registered mobile number.
Step 2: Easy Process of 2-wheeler Insurance Claim Online
- Duly fill out the digital 2-wheeler insurance claim form and submit NEFT details to receive the claim settlement amount.
- You need to upload photos of your bike’s condition, damaged parts, following the instructions.
- You’ll need to upload your bike’s registration certificate and your license.
- Once they verify everything, they’ll text you the claim amount on your phone. That’s it.
Step 3: Receive Your 2-wheeler Insurance Claim Amount Quickly
- Use the provided link in the SMS to disagree or agree with the proposed claim amount by your insurer.
- If you agree, you can agree to receive the proposed claim amount in your given bank account.
- In case you are not satisfied with the proposed claim amount, you can click on the “Disagree” button. You will receive a call from the claim settlement team of your insurer.
- Click the agree button to track your claim status. You’ll get your claim amount within the set time.
What documents do you need to file a 2-wheeler insurance claim?
Gather everything your insurer asks for and hand them in according to their instructions and your situation.
- Documents for 2-Wheeler Accidental Damages Claim
- Duly filled and signed claim form
- Copy of tax receipt
- Registration proof of your 2-wheeler
- insurance policy proof
- A copy of the driving license of the person driving the vehicle at that time
- FIR copy
- Estimate from the repairer of a 2-wheeler repair
- Payment receipts and repair bills
- Discharge voucher
- Vital Documents for 2-Wheeler Theft Claim
- Original policy documents
- Filled out and signed the 2-wheeler claim form
- Tax payment receipt
- Original registration certificate of the 2-wheeler
- Previous insurance details or policy number, if you renew two wheeler insurance
- FIR and investigation report
- Warranty card or service booklet, sets of keys
- Acknowledgement copy to prove the vehicle theft
- Subrogation letter
- Signed forms 28, 29 and 30 by the insured
- In Case of Third-Party Liability Claim
- Complete Claim form with signature
- Third-party insurance policy documents
- Driving license copy
- Police FIR copy
- Registration copy of the 2-wheeler
- If a commercial vehicle needs the original documents with a stamp
Why Do 2-Wheeler Claims Get Rejected?
- Late Reporting: If you don’t let your insurance company know about the incident within the time they mention in your policy, your claim’s probably going nowhere.
- Expired Policy: Didn’t renew your policy on time? That’s it—the company won’t even look at your claim.
- Incomplete Documentation: Missed a document or filled something out wrong? Your claim gets stuck or tossed out.
- Uninformed Modification: Changed something on your bike and didn’t tell your insurer? That can come back to bite you when you try to claim.
- Invalid Driving License: If the person riding didn’t have a valid license, forget about getting anything from your insurer.
- Illegal Activity: If the rider was drunk, high, or involved in anything illegal, the claim’s instantly rejected.
- Before Inspection: Fixed your bike before the insurer checked the damage? That’s another reason they’ll throw out your claim.
Final Wording
You can receive a hassle-free settlement of 2-wheeler insurance claims before repairing your bike, easily and conveniently. However, any discrepancies in documents or claim forms or delayed reporting, invalid policy or legal activities can lead to your two-wheeler insurance claim rejection. Make sure you perfectly fill in each detail and submit all necessary documents as per instructions to avoid claim rejection.
