What are the Documents Required for a Bike Insurance Claim?

Filing a bike insurance claim doesn’t need to feel like climbing a mountain. Whether you own online 2 wheeler insurance or a standard plan, the process remains nearly the same. First, ensure safety and then document the incident. Notify your insurer as soon as possible. Most companies today allow you to file a claim online through their mobile apps or websites.

Here’s a basic breakdown:

• Inform your insurer promptly.

• Lodge an FIR if required.

• Fill out the claim form online or offline.

• Submit all required documents.

• Get the vehicle inspected.

• Choose cashless repair or reimbursement.

Read More: Tata AIG Claim Process

Understanding your policy helps you choose the right route for filing a claim. Based on your plan, here are the common types of bike insurance claims:

Third-party Bike Insurance Claim: If your bike causes injury or damage to a third party’s vehicle or property, this type of claim applies. It is mandatory as per Indian law.

Own Damage Claim: This is applicable when your insured bike gets damaged in an accident, fire, theft, or natural calamity.

Comprehensive Claim: If you have a comprehensive cover, you’re protected from both third-party liabilities and own-damage situations. It’s more inclusive and offers a smoother process.

Theft Claim: This is Applicable when your two-wheeler is stolen. You need to lodge an FIR and submit supporting documents.

Whether you have third-party or own-damage, identifying the claim type helps you gather the right paperwork.

No matter if your policy is two wheeler insurance online or offline, submitting accurate documents is key to a quick claim. Below is the standard list of documents required for bike insurance claim:

• Duly filled and signed claim form

• Copy of bike insurance policy

• Copy of Registration Certificate (RC) of the bike

• Copy of the Driving License of the person riding during the incident

• First Information Report (FIR), if applicable

• Original repair bills and payment receipts (for reimbursement)

• Photos or videos of damage

• No Trace Report (in case of theft)

When filing online, scan and upload these documents required for claiming bike insurance to speed up your settlement.

Even with all the proper documents required to claim bike insurance, minor mistakes can cause delays. Here are a few smart tips to consider:

• File your claim within the stipulated timeline, typically within 24 to 48 hours.

• Always report to the police if required, especially in cases involving theft or third-party incidents.

• Do not repair the vehicle before the surveyor's inspection (for own damage claims).

• Keep copies of all original documents, including repair invoices, for future reference.

• Verify the accuracy of the information provided in the claim form.

• Such steps are essential when filing through online 2 wheeler insurance portals.

In India, the claim settlement process has undergone significant evolution, particularly with the advent of digitalisation. Once you notify the insurer and submit all documents required for a two wheeler insurance claim, a surveyor is appointed to assess the damage.

The insurer directly settles the repair cost with the network garage for cashless claims. You pay for reimbursement upfront, and the insurer reimburses you after verifying the documents. The timely submission of documents required for claiming bike insurance ensures that the entire process is completed smoothly.

Not every claim is accepted. Here are some common pitfalls to avoid:

• Incorrect or incomplete documents

• Policy expired at the time of the accident

• Riding under the influence of alcohol or without a license

• Delayed claim intimation

• Modifications not declared in the policy.

• Damage not covered under the policy (like consequential loss)

• Pre-existing damage claimed as new.

• RC or FIR not submitted where mandatory.

Avoid these errors even when filing via two wheeler insurance online to ensure successful settlement.

Insurers usually settle bike insurance claims within 7–30 days depending on the case complexity and document verification. The faster you submit the documents required for a bike insurance claim, the quicker the process.

Once approved, you’ll either get a direct repair (cashless) or a reimbursement. With TATA AIG, tracking claims is easy through the online portal.

Is RC needed for an insurance claim?

The Registration Certificate (RC) is a compulsory document that bike owners need for insurance claim procedures. The documentation ensures ownership validity, which serves as a basic requirement during processing procedures.

Is an FIR required for a bike insurance claim?

Filing an FIR remains necessary for both cases involving theft and third-party damage. The claim process benefits from legal record establishment through this document, which makes it streamlined.

How many times can I claim 2 wheeler insurance?

There’s no fixed limit. The renewal of your policy premium is subject to the impact of multiple claims on your No Claim Bonus (NCB).

What are the rules for bike claims?

Avoid any delays in notifying your insurer about claims, as you must file an FIR (if necessary) and keep your bike intact until inspection. Deliver all essential paperwork promptly. Ensure the policy is active.