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How to claim under your bike insurance policy?

22 November, 2019

In the unlikely event of an accident or theft of your bike, try to contact Royal Sundaram immediately. Keep the following information handy:


  • Policy details
  • Contact details
  • Loss details


The claim process may require different documents depending on whether the bike was stolen, damaged, etc. You can refer to the information given below for a detailed step to step guide on how to claim your first party bike insurance.


Bike Insurance Claim Process

In case of an accident, there will be an inspection of the damage to your two-wheeler, before an own damage claim is processed. You must provide the some documents to the surveyor or any representative of the insurer before or during the inspection.


In addition to these documents, you must fill and sign the claim form. In the case of company-owned vehicles, a signature of the authorized signatory along with the company seal is essential. You also require the following:


  • RC of the bike, self-attested copy
  • Driving license of the driver in case of an accident, self-attested copy
  • FIR, in case of theft, death, or injury
  • If the claim amount is higher than Rs 1,00,000, a copy of your PAN and a passport size photo


This is not an exhaustive list as other documents may be requested based on the requirements of the claim.


How to claim insurance for a bike accident?


 If you’ve been in an accident, the first thing you must do is arrange for a medical assistance for anyone who is injured and note down the details of other vehicles and people involved in the accident. Do not commit to any sort of compensation to anyone. If your bike has suffered damage due to riots, strikes, terrorist activities, house breaking, you must inform the police immediately. FIR is also required for any death, injuries or property damage as a result of the accident.


If you are unable to move the vehicle in the event of a severe accident, make sure that the vehicle is safe at the spot. Try not to move the vehicle or start the engine again yourself. Call the insurance company for guidance on finding a repairer and lodging a claim. Do not dismantle or repair the bike until it has been inspected by an insurer-appointed surveyor.


How to claim insurance for bike theft?


If your bike or scooter has been stolen, you must immediately file a police report and inform the insurance company. Also, you must inform your RTO and your financier of the theft.


If the two-wheeler has been recovered by the police, then you can claim the damages caused to your bike or for stolen items that are covered under your policy from the insurer. However, if the bike is not recovered, then you need to get a Non-Traceable Certificate from the police and a 173CrPc order from a court of law and submit it to the insurer to process the claim.


If you have taken up a loan, then the insurance amount is directly settled to the financier. The settlement amount is dependent on the Insured Declared Value or IDV, which is stated in your policy document.


Documents required for two-wheeler insurance claims


You need to submit the following documents to initiate your bike or scooter insurance claim:


  • Policy number
  • Name of the insured
  • Name of the driver and driving license details
  • Details of the insured vehicle
  • Date and time of the accident
  • Location of accident/theft
  • Brief description of the event


Bike insurance claim rules


Keep in mind the following rules, while claiming a bike or scooter insurance:


  • You may have to bring in the vehicle for re-inspection after completion of repairs.
  • A cashless facility will be offered to you only after verifying the documents submitted by you and if everything is found in order
  • You must fill in a satisfaction voucher and pay any amount (eg. deductible) as required to collect your bike
  • For Non-cashless claims or reimbursement claims, invoice with cash receipt are required for the settlement of the claim




What is claim status in two-wheeler insurance?

Claim status gives you an idea of what stage of the process your claim is currently in and steps remaining before completion. You can get to know when a decision has been made on your claim by following the claim status of your request.


How is the bike insurance own damage claim amount decided?

The claim amount may differ from the bike insurance quote. In case of an accident or damage to your bike, the damages and losses are ascertained by the surveyor after which a claim amount is decided.

In the case of theft, the settlement amount is based on the Insured Declared Value of the two-wheeler.


Where can I get the bike insurance claim form?

If you are looking for a bike or scooter insurance claim form, you can download one from this link:


Alternatively, you can also call us at 1860 425 0000 or send an email to customer.services@royalsundaram.


Can I claim insurance for a stolen bike?

Yes, you can absolutely claim insurance for a stolen bike.


How do I claim the insurance on bike damage?

In order to claim the insurance on bike damages, you need to contact us immediately with the required details.


How can I reach Royal Sundaram for a claim?

You can lodge a claim via phone, email, online or through our m-Chatra mobile app.