How to Claim Bike Insurance in India?

By Okbima 06 Feb 2024 116


If you want to know how to claim bike insurance online? To claim bike insurance, you need to be familiar with the process and requirements. First, gather all necessary documents, such as the insurance policy, photographs of the bike, and any relevant accident reports. 


How Many Types of Bike Insurance Claims?

There are primarily two types of two-wheeler insurance claims: Cashless claims and Reimbursement claims.

1. Cashless Claims

For bike accidents, you can file a cashless claim process. You can take your bike for repair at a network garage where you do not need to pay for the repair expenses upfront. The insurance company directly settles the repair bill with the network garage, and the insured only pays the deductible or any non-covered expenses.


2. Reimbursement Claims 

For bike theft, accidents, and third-party claims, you can file for reimbursement claims. You can repair your bike at a non-network garage, and then file for a reimbursement claim with original bills and necessary documents.


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How to Claim Bike Insurance for Different Scenarios?

To claim bike insurance there are several steps you can follow for each condition such as you can claim bike insurance for accidents, theft, and third parties.

In Case Of Bike Accidents - Claim Process

For bike accident insurance claims, it is crucial to gather all relevant documentation, such as police reports and medical records to support your case.

Step 1: In case of an accident, especially involving third-party damage or injury, it is crucial to file a First Information Report (FIR) with the local police. The FIR serves as an official record of the incident.

Step 2: Inform your insurance company about the accident as soon as possible. Many insurers have a specified time frame within which incidents must be reported to avoid claim rejection.

Step 3: The insurance company will appoint a surveyor to assess the extent of damages. The surveyor will investigate the accident and examine the damages to determine the validity of the claim.

Step 4: The surveyor will prepare a detailed assessment report for the damages, estimated repair costs, and other relevant details. This report is crucial for the claim processing.

Step 5: The assessment report is sent to the insurer for review. Once approved, the insurer proceeds with the next steps in the claims process.

Step 6: If you choose a cashless process and your insurer has tie-ups with network garages, the damaged vehicle is sent to one of these garages for repairs. The insurer settles the repair bill directly with the garage, and you are only required to pay the deductible amount.

Step 7: In case you opt for reimbursement or if a network garage is not available, you may have the vehicle repaired at a garage of your choice. You need to pay the repair bill initially and then submit the original invoices, payment receipts, and other required documents to the insurer. The insurer, after deducting the applicable deductible amount, will reimburse the remaining repair costs to you as per the terms and conditions of the policy.


In Case Of Bike Theft - Claim Process

For bike insurance theft claims, it is important to provide strong evidence such as police reports and proof of ownership to support your case.

Step 1: If your bike is stolen, the first and immediate step is to file a First Information Report (FIR) with the local police. Also, inform your insurance company about the theft, providing them with all the necessary details.

Step 2: Upon filing an FIR, gather all the required documents, including the FIR copy, policy documents, and original bike keys. Submit these documents to the insurance company as part of the theft claim process.

Step 3: If the police are unable to trace or recover the stolen vehicle within a specified period, they issue a non-traceable certificate. This certificate serves as evidence that the vehicle could not be located despite efforts by the authorities.

Step 4: Based on the non-traceable certificate and the policy terms, the insurer may settle the claim under the total loss category. In the case of bike theft, the insured declared value (IDV) is often the maximum amount payable. The IDV is the maximum sum insured that the insurer is liable to pay in the event of total loss, and it is usually equivalent to the market value of the bike at the time of the theft.


In Case of Third-party - Claim Process

Third-party claims refer to situations in which a person or entity files a claim against another party who is not directly involved in the original agreement or transaction.

Step 1: If you are involved in an accident where you hit another vehicle, immediately inform the police about the accident and report the accident to your insurance provider. Timely reporting is crucial for the claims process.

Step 2: If you are the victim of the accident, gather the insurance details of the other party involved. This includes information about their insurance policy, insurer, and policy number. Use this information to process a claim under third-party liability.

Step 3: Once the claim is initiated, your insurance provider will forward the details of the case to the Motor Insurance Claim Tribunal (MACT) court for further proceedings.

Step 4: The Motor Insurance Claim Tribunal court will review the case, examine the evidence, and decide on the compensation amount to be paid. The court takes into account factors such as injuries, damages, and other relevant details.

Step 5: If you are at fault in the accident and need to pay liabilities to a third party, the procedure remains the same. Your insurance provider will handle the claim process, and the tribunal court will decide the compensation amount.


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Documents Required for Bike Insurance Claim

In case of accidental damages to your bike, the following documents are typically required for processing an insurance claim.

• Valid Bike Insurance Policy: A copy of your active and valid bike insurance policy.

• Copy of Registration Book, Tax Receipt: Provide a copy of your bike's registration book and tax receipt. The original copies may be required for verification.

• Police FIR Copy: A copy of the First Information Report (FIR) was filed with the police for the accident. This document is essential for reporting the incident to the authorities.

• Driving License: The driving license of the person who was driving the vehicle at the time of the accident.

• Estimation of Total Repair: An estimate detailing the total repair work that needs to be done on the bike. This could be provided by the garage where the repairs are planned.

• Original Repair Invoice and Payment Receipt: The original invoice issued by the garage specifies the repair work done on the bike. Payment receipts for the repair costs should also be included. Note that if the repairs are done at a network garage, only the repair invoice is typically required.

• Discharge Cum Satisfaction Voucher: A document obtained from the garage, known as a Discharge Cum Satisfaction Voucher, which is signed by you and may require a Revenue Stamp. This voucher signifies that you are satisfied with the repairs and have no further claims related to the incident.


Common Reasons for Two-wheeler Insurance Claim Rejection

Two-wheeler insurance claims may be rejected for various reasons. It's crucial to be aware of these common reasons to avoid claim denials. 

Some common reasons for the rejection of two-wheeler insurance claims:

• Policy Lapse: If your insurance policy is not active or has lapsed at the time of the incident, the claim is likely to be rejected.

• Delayed Reporting: Failing to report the incident promptly to the insurance company can result in claim rejection. Insurers often have a time frame within which incidents must be reported.

• Incorrect Information: Providing inaccurate information during the claim process can lead to claim rejection. Ensure that all information provided is accurate and truthful.

• Policy Exclusions: Claims for events not covered under the policy, such as intentional damages, normal wear and tear, or damages caused while riding under the influence of alcohol or drugs, may be rejected.

• Non-disclosure of Modifications: If your two-wheeler has undergone modifications that were not disclosed to the insurance company, claims related to such modifications may be denied.

• Unapproved Repairs: Undertaking repairs at a garage that is not approved by the insurance company (in the case of cashless claims) can lead to claim rejection.

• Driving Violations: Claims may be rejected if the accident or damage occurred while the rider was violating traffic rules or engaging in illegal activities.

• Policy Expiry During Claim Process: If your policy expires during the claim process and the incident occurs after the policy expiration, the claim may be rejected.

• Non-disclosure of Previous Claims: Failure to disclose previous claims history or provide incomplete information about prior incidents can result in claim rejection.

• Misuse of the Vehicle: Claims from the misuse of the two-wheeler, such as engaging in illegal activities or using the vehicle for purposes not covered by the policy, may be rejected.


Tips to Ensure a Quick Bike Insurance Claim Process

Ensuring a quick and smooth bike insurance claim process involves proactive measures and attention to detail. Here are some tips to help the process.

• Immediate Reporting: Report the incident to your insurance company as soon as possible. Timely reporting can facilitate a quicker response from the insurer.

• Keep Emergency Contacts: Have the contact details of your insurance company's customer service and claims department readily available. This helps in quick communication in case of an incident.

• Document the Scene: Take photos of the accident scene, damages to your bike, and any other relevant details. These visual records can serve as valuable evidence during the claims process.

• File a Police Report: If required, file a First Information Report (FIR) with the police and obtain a copy. Many insurance companies ask for this document in case of accidents.

• Understand Policy Coverage: Familiarize yourself with your insurance policy coverage and exclusions. This helps in understanding what is eligible for a claim and streamlines the documentation process.

• Keep Necessary Documents Ready: Ensure that you have all the necessary documents, such as a valid insurance policy, vehicle registration, driving license, FIR copy, repair estimates, and invoices, ready for submission.

• Choose Network Garages: Opt for network garages associated with your insurance company for cashless claims. This can speed up the process as the insurer has tie-ups with these garages.

• Provide Accurate Information: Fill out claim forms accurately and truthfully. Providing incorrect information can lead to delays or even claim rejection.



In conclusion, claiming bike insurance can be a straightforward process if one follows the necessary steps. It is essential to gather all relevant information and documentation related to the accident or theft to support the claim. Contacting the insurance company and providing them with the required details will ensure a smooth and efficient claim process or you can contact okbima experts for better guidance.



You may not be able to raise a claim if you take your bike to a non-network garage.

It is important to know the claim settlement ratio before buying a bike insurance policy as it indicates the insurer's reliability and efficiency in settling claims, ensuring that your claims will be processed swiftly and smoothly.

The role of the No Claim Bonus in bike claim settlement is to reward policyholders for not making any claims during the policy term by providing them with a discount on their premium or additional benefits.

Add-ons play a crucial role in two-wheeler claim settlement by providing additional coverage and benefits, such as zero depreciation, roadside assistance, and engine protection, which enhance the overall protection and help in a smoother claim settlement process.

Yes, it is possible to claim insurance for lost bikes.

The number of times one can claim their bike insurance is dependent on the terms and conditions set by the insurance provider.

To file an insurance claim, typically, documents such as the policyholder's identification, an incident report, and any supporting evidence like photographs or receipts are required.

The bike insurance claim rules vary depending on the insurance provider and policy but generally involve reporting the incident, providing documentation and proof, and following the claim process to receive compensation for damages or theft.

If you do not have an FIR, you can still claim bike insurance by providing necessary documents such as an accident report, photographs, proof of ownership, and any other supporting evidence.

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