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  • Guide for Two Wheeler Insurance Claims

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    Insuring motor vehicle in India is mandatory by law. The Motor Vehicles Act in enacted in various states and union territories dictates further rules in this regard. The statutory obligation of having an active insurance as long as the vehicle is plying on the roads is valid across the country. The costs incurred for obtaining/renewing Insurance for bikes and scooters is based on the IDV (Insured Declared Value) of the vehicle.

    The insurance cover offers to shield the owner and insured vehicle against liabilities arising out of an accident and provides compensation to cover various costs arising out of damage done to third party person/property. Depending on the cover opted for, the insured member can also look forward to claiming compensation for damage done to the insured motorcycle or the occupants after a mishap. As a well educated owner, it's paramount to understand the claims process so that no time is wasted in case of an unfortunate event.

    The sections below will take you through the nitty gritties of the claims process in general and the documents involved to help you successfully sail through during the process.

    Two-Wheeler Insurance Claims Process:

    The process is more or less similar to that of Auto Insurance in general. The points below will take you through the claims process.

    • If the post-mishap situation allows, make a note of the registration number(s) of vehicles involved in the mishap.
    • File an FIR (First Information Report) with the local police if the damage caused is severe and has a legal angle to it. Make sure to keep a copy of the complaint and keep the acknowledgement handy.
    • Make a note of names and contact details of the witnesses, time of the the accident and location details.
    • Call the claims centre or visit the nearest office (if feasible) to register a claim. Make sure to do so at the earliest to avoid unwanted hassles.
    • Collect the claims reference number and the procedure for getting the damaged vehicle repaired at a garage.

    Post-Claims Procedure:

    A surveyor will get in touch with you within the stipulated time to inspect the damages done to the vehicle and to provide further instructions to the garage on the repair front. After completion of the paperwork, the bill can either be settled directly with garage or made cashless depending on the availability.

    Documents Required for Two Wheeler Insurance Claims Process:

    • Duly filled claims form with signature
    • The Registration Certificate of the motorcycle
    • Driving License of the person behind the wheels at the time of accident

    In case of vehicle theft, papers from the local RTO along with an NOC from the bank (if hypothecated) should be produced. Other documents depending on case to case basis should also be made available upon request.

    Tip: Details of the actual claims process will be provided on the insurer’s website and the same will be available at designated offices. The process may slightly vary, depending on the standard operating procedure of the company. Make sure to revisit policy paperwork at least once in a year to keep a track and stay up to date.

    Guide for Two Wheeler Insurance Claims Reviews

  • Page 1 of 50 1 2 3 4 5
    • Royal Sundaram Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler is insured with Royal sundaram insurance from last 4-5 years, a premium of Rs 2000 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 16, 2018
    • Reliance General Two Wheeler Insurance
      "Yet to experience the claim"
      0.5 4.0/5 "Great!"
      I have not used the insurance policy so far. I never claimed anything in this policy. I have not spoke with the customer care. My friend has recommended me about the two wheeler insurance policy with Reliance. I pay the premium amount of Rs. 1500 for one year. I renew the policy through onine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a two wheeler insurance with HDFC Ergo. I got a Passion Pro and Scooty for both the vehicles, I used to renew with HDFC Ergo. The customer service is good. There is no claim experience. The policy coverage and the plan benefits are good. I pay 4,000K yearly for 2 vehicles. The policy period is one year.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Nov 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      When i purchased the vehicle, the dealer has provided the insurance with HDFC Ergo. I have not used any claim with HDFC Ergo. I have not spoke with their customer care. I pay the premium amount through credit cards. Last year i have bought this policy. Since i'm existing customer of HDFC, i have selected my two wheeler policy with HDFC Ergo.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2018
    • Reliance General Two Wheeler Insurance
      "Good Policy to use"
      0.5 4.0/5 "Great!"
      My two wheeler insurance policy was taken from Reliance. The dealer was provided the two wheeler insurance policy when i purchased my bike. I have paid a premium amount of Rs. 7000 for two years. The policy covers all the parts of the vehicle. The documentation process was good. According to the bike condition, they have provided 100% coverage value.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on Nov 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      It is very good and I have a two wheeler insurance with Bajaj Allianz and it was recommended by the showroom person. I have a Honda Activa bike. It is a one year policy. I got the insurance papers on time. There is helpline number to reach the customer support. The premium was paid through cheque.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with New India Assurance from last 3 years, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Claim process is taking more time"
      0.5 4.0/5 "Great!"
      I have purchased the health insurance policy with Oriental. My entire family has been covered in this policy. My organization has provided the policy and they will be managing all the policy details. I never interacted with the oriental customer care services. I had a claim experience with oriental but my company taking care of that when i submitted the documents. Its taking 20 days to get settlement. They have given me a coverage value of Rs. 5 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Best Policy"
      0.5 4.5/5 "Excellent!"
      Using the bajaj Allianz insurnace for my two wheeler for last 2 years. I used to pay the premium of Rs. 1240. They have provided the value of the bike Rs. 38000. They have covered for 70% of the bike value. I never faced any issues with the policy. Because of the lower price, i have selected the policy with Bajaj Allianz.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a bike insurance with ICICI Lombard. Its a one year policy. I asked the service provider for an insurance and they was suggest me ICICI Lombard. I have paid 1300 rupees for a year through cash. I have claim experience, they have taken almost 18 months for the reimbursement. I am satisfied with the policy coverage and the plan benefits.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      The plan is good with Bajaj Allianz insurance company, in terms of coverage value, the insured value around Rs. 47,000 for my Honda Dream yuga bike, its just two years old. I have coverage for loss, damage, accidental. They have many service centers as well.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Nov 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good protection for two wheeler"
      0.5 5.0/5 "Blown Away!"
      The bike policy was arranged through the dealer, since it mandatory purpose I took the policy from Bajaj Allianz. I don't have any option hence I took by paying some premium. I availed comprehensive policy for my bajaj discover bike for one year tenure.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Nov 13, 2018
    • Bharti Axa Two Wheeler Insurance
      " Its convenient policy renewal"
      0.5 5.0/5 "Blown Away!"
      Its convenient to go head to chose all the options, they have option to increase the IDV, even the premium is good. I have been experience with Bharti axa two wheeler policy around five years, whenever I renew the policy I get the no claim bonus.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I did not have any claim experience with National two wheeler insurance. I have not spoke with the customer care service as of now. I made a premium amount of Rs. 1400 for one year. The reason for selecting the National insurance is when i purchase a bike from dealer who provided the policy with National and i'm continuing the same. They have given a value of the bike is Rs. 55K.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      When I purchased the Honda Activa bike at that time they provided an insurance. It is a one year policy. One of my friend is working there so he will takes care of my policy. If anything goes wrong,they will recover 70% to 80% of the damage, remaining 20% from my end.I am planning to renew the policy again with National Insurance.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Good Protection for two wheeler"
      0.5 5.0/5 "Blown Away!"
      As per IRDI policy, National Insurance is following the terms, the premium is reasonable, I have taken bike policy for three years now they do have five years plan. I have comprehensive plan its always better to go with full cover its good for us.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Need improvement on service"
      0.5 3.0/5 "Satisfactory"
      I have bike insurance with ICICI Lombard, I paid Rs.8700 for three years policy. It has third party plan with personal accidental. But the guys are not responsible, when they want to sell some thing they call , during queries they wont respond.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Customer Policy"
      0.5 5.0/5 "Blown Away!"
      The customer service is good they are providing continuous follow up before expiring the policy they call and share the benefits on renewal. I have honda passion they gave me the best insured value its good. And providing good benefits on the policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      For my Dream Honda bike, ICICI Lombard gave me best insured value for the premium amount around Rs.1500 for one year. I got my policy documents on time. I have taken the comprehensive plan with first party cover, therefore I am satisfied with them.
      Was this review helpful? 0
      , nagpur
      Reviewed on Nov 12, 2018
    • Royal Sundaram Two Wheeler Insurance
      "Better coverage"
      0.5 3.0/5 "Satisfactory"
      For my Yamaha R15 bike I took policy from Royal sundaram they gave me Rs. 70,000 of idv value for tenure of three years it was good. I purchased the bike for Rs. 1.3 lakhs, now it got good IDV value with third party liability cover, personal accident cover.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 12, 2018
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