Over time, the procedure for claiming bike insurance has changed. Until recently, filing a claim required filling out paperwork and delivering physical records, but things have evolved. A more efficient and quick claim registration process is now possible thanks to technology. Within a few minutes, a claim can be submitted. Most insurance providers offer a seamless process for filing claims through the online platform (website/mobile app).
Different Bike Insurance Claims
You must notify the insurance provider when your bike is in an accident. The different kinds of bike insurance claims are listed below.
- Cashless Claims
You can get the bike fixed at the network garage if you have a bike accident and need a qualified repair shop. A network garage is a garage included in the network of your insurance provider. Your provider will pay the network garage’s repair bill by submitting a claim. Pay the required deductible, and your insurance provider will cover the remaining balance. Claims are subject to terms and conditions set forth under the two-wheeler insurance policy. *
- Reimbursement Claims
If you are in a bike accident and your bike is damaged, you can have it fixed at any garage of your choosing, and you will then be reimbursed for the repair costs. To begin the reimbursement process, you must submit the original repair bill, payment receipt, etc. By the terms and conditions of the policy, your insurance provider shall deduct the required deductible amount and the depreciation of the parts before reimbursing you for the remaining amount. Claims are subject to terms and conditions set forth under the two-wheeler insurance policy. *
How To File A Bike Insurance Claim Following An Accident
There are two possibilities. Either you are the party required to take responsibility for the accident, or you are the victim. In the first scenario, you will file an FIR and claim bike insurance with the other party’s insurance company as the third party. In the second scenario, you must file a claim with your insurer. In the first scenario, you cannot seek compensation from the insurance provider because a third-party insurer will pay out on your behalf.*
You can contact our customer service team to inform us or submit a claim online using our website or mobile application. The three-step claim process using your insurance provider’s online platform is listed below:
Step 1: Log in to your account using our website or mobile application.
Step 2: Click “Claim Now” after choosing the insurance card next to your bike.
Step 3: To register your claim, answer a few questions about the damage and upload a photo of the necessary paperwork.
When you contact us, a support staff member will evaluate and assist you in resolving your claim. If only minor damages exist, your insurance provider may settle the Bajaj Allianz bike insurance claim within a few hours.
Documents Are Necessary
- The following documents must be uploaded when submitting a claim on the website or mobile application:
- In circumstances like theft, the First Information Report (FIR) or police report
- In the event of reimbursement of bike insurance claims, the original repair invoice, payment receipts, etc.
- Driving Permit
- Bike registration certificate
- Insurance policy documents
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* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
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