How To Claim Scooty Insurance - Step by Step Guide

Here’s a simplified process on how to claim insurance for a scooty:

Step 1: Inform TATA AIG within 30 days of the incident.

Step 2: File an FIR, especially in case of theft, third-party injury, or significant damage.

Step 3: Submit the claim form online or at the nearest branch.

Step 4: Upload or provide the required documents (listed below).

Step 5: Allow inspection by a surveyor appointed by TATA AIG unless the repairs are authorised immediately (for claims under Rs. 150).

Step 6: Obtain approval and have your scooter repaired at a network garage (cashless) or opt for reimbursement.

When your scooty meets with an accident, follow this guide on how to claim scooty insurance:

• Notify TATA AIG within 30 days of the accident.

• File an FIR if third-party damage, physical injury, or theft is involved.

• For cashless claims, repairs must be carried out at authorised network garages.

• Submit a filled claim form, available online or at TATA AIG’s office.

• Photograph the damage and keep the evidence safe.

• Submit all required documents to speed up claim approval.

• Choose cashless repairs at network garages or opt for reimbursement with bills.

Insurance companies follow strict regulations while processing claims. Here’s what you should know about the scooty insurance claim process:

• Claims must be reported within the time limit specified in the policy.

• Driving license, RC, and insurance policy must be valid at the time of the incident.

• For cashless claims, repairs must be carried out at authorised network garages.

• An FIR is mandatory for third-party claims, theft, or major damage.

• No claim bonus (NCB) may be affected if you file a claim.

• Claims are subject to the terms and exclusions mentioned in the policy wordings.

To ensure smooth processing of your scooty insurance claim, keep the following documents ready:

• Duly filled claim form

• Copy of scooty insurance policy

• FIR copy (in case of theft or third-party involvement)

• Valid Driving Licence (DL) of the rider

• Registration Certificate (RC) of the vehicle

• Photos of the damage to the scooty

• Repair estimate and bills (for reimbursement claims)

• Discharge voucher, if required by the insurer

Insurance providers may reject a claim if specific terms are not met. Here are some common reasons for scooty insurance claim rejection:

• Delayed intimation of the incident

• Invalid or expired insurance policy

• Absence of required documents, such as the FIR or DL

• Damage occurred under the influence of alcohol or drugs

• Use of a scooty for commercial purposes under a private policy

• Pre-existing damage not reported earlier

• Violation of policy exclusions or terms

Knowing how to claim insurance for scooty gives you peace of mind and ensures quicker claim settlements. From filing a claim after an accident to understanding documentation, always follow the process outlined in your policy. Whether you own a new scooty or have opted for a bike insurance renewal, being informed can help avoid common mistakes.

What is the cost of Scooty insurance?

The cost of scooty insurance varies based on the type of policy you choose—third-party bike insurance or comprehensive bike insurance—along with factors like your scooter’s model, age, and location. Basic third-party cover may start around Rs. 538 for up to 75cc, Rs. 714 for 75–150cc, and Rs. 1,366 for 150–350cc. Comprehensive plans with add-ons can be more expensive. Use a vehicle insurance calculator to get an accurate quote tailored to your needs.

What if my claim is rejected? Can I appeal?

Yes, you can appeal your rejected scooty insurance claim. The first step is to contact the grievance redressal team of your Insurance Company. If you do not receive a satisfactory response from them, you can then take your complaint to the Insurance Ombudsman or the Insurance Regulatory and Development Authority of India (IRDAI). Ensure that you have kept records of all documents, evidence, and communications throughout the entire appeal. This will make your resolution process smoother.

How to take an insurance claim for a scooty?

To raise an insurance claim for a scooty, notify your insurer immediately after the incident. If it involves third-party damage or theft, file an FIR. Fill the claim form, submit necessary documents, and allow the insurer’s surveyor to inspect the damage. Once approved, repairs can be done at a network garage or reimbursed later as per the policy terms.

Can I claim insurance for scooty scratches?

Yes, scratches are covered if you have an Own Damage part of your two-wheeler insurance. As long as it has occurred due to a minor accident, vandalism, or a similar incident, scratches can be covered here, again, subject to terms and deductibles. If the amount or repair cost is low, it may be better not to claim, thereby retaining your No Claim Bonus (NCB) for your vehicle insurance renewal.

How many times can we claim Scooty insurance?

There is no specific cap on the number of times you can claim your scooter insurance within a policy year. However, repeated claims, especially for minor repairs, can impact your premium and No Claims Bonus (NCB). Filing multiple claims may lead to higher costs at car or bike insurance renewal, so it’s wise to claim only when truly necessary.

Can we claim insurance for small damage?

Yes. You can submit a claim for a minor damage claim, i.e., dents and mirror cracks, if your policy includes Own Damage cover. However, it is best to compare the cost of repairs. If it's a small amount, you might be better off not claiming and saving your No Claim Bonus, which will reduce the premium for renewal down the track.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.