8 Steps to Successfully File a Bike Insurance Claim After an Accident
Accidents are stressful. In that moment, paperwork and insurance are often the last things on your mind. However, knowing how to file a bike insurance claim can save you time, money, and unnecessary worry. A clear claim process helps protect you financially, reduces confusion, and ensures your bike is repaired faster. Understanding the steps in advance allows you to act confidently when it matters most.
Step-by-Step Guide to Filing a Bike Insurance Claim Online
Here's a step-by-step guide to filing your bike insurance claim online:
1. Ensure Safety and Assess the Situation
Your safety always comes first. Before thinking about insurance, take a moment to check yourself and others for injuries. Even minor accidents can cause shock, so stay calm.
If it is safe to do so, move your bike to the side of the road to avoid blocking traffic. Switch off your bike's engine and activate the hazard lights, if present. If you or anyone else is injured, call for medical assistance immediately. Roadside assistance can also be contacted if the bike cannot be moved.
2. Inform the Police (If Required)
Not every accident requires a police report, but some situations do. An FIR is mandatory in cases involving theft, third-party injury, death, or major damage to property. It may also be required if there is a legal dispute or unclear liability.
For minor accidents with no third-party involvement, insurers may not ask for an FIR. However, it is always safer to check with your insurance provider. A police report helps establish facts and supports your claim if questions arise later.
3. Inform Your Insurance Provider Immediately
Once the situation is under control, notify your insurer promptly. Delays can complicate the bike accident claim process or even result in rejection, as most companies have strict time limits for claim intimation.
You can register your two-wheeler insurance online through the insurer's mobile app or official website, or contact customer support via the helpline. Keep essential details ready, such as your policy number, the date and time of the accident, the location, and a brief description of the incident.
After the bike accident insurance claim is registered, you will receive a claim reference number.
4. Document the Damage
Proper documentation plays a key role in claim approval. Use your phone to take clear photos and videos of the damage from different angles. Make sure the bike number plate is visible in at least one image.
Capture close-ups of damaged parts, the accident location, and any other vehicles involved. If possible, take photos before moving the bike. These visuals help the insurer assess the extent of damage and speed up inspection.
5. Understand Your Coverage Before Filing the Claim
Before submitting the claim form, it is important to understand what your policy covers. If you have comprehensive bike insurance, it generally includes both own-damage and third-party cover, subject to the policy terms and conditions.
Being clear about inclusions, exclusions, and deductibles helps set realistic expectations during the claim process. It also reduces the risk of disputes or delays during damage assessment and settlement.
6. File the Claim Form
Next, you need to submit the claim form. This can be completed either online or offline, depending on your insurer's procedure. Filing the claim online is quicker and allows you to track its progress more easily.
The form requires details such as policy information, accident description, and repair preferences. Ensure all information is accurate and consistent with earlier communication.
You will generally need the following documents:
a. Bike insurance policy document
b. Copy of the Registration Certificate (RC)
c. The driving licence of the rider at the time of the accident
d. FIR copy, if applicable
e. Repair estimates and final invoices
Submitting complete documents helps avoid delays.
7. Survey and Inspection
After you file the claim, the insurer will appoint a surveyor to inspect the bike. The surveyor's role is to assess the damage and verify whether it matches the claim details.
Do not start repairs before the inspection unless the insurer gives written approval. During inspection, cooperate fully and provide any additional information requested. The surveyor may take photographs and prepare a report for claim approval.
8. Bike Repairs and Claim Settlement
Once the inspection is done, repairs can begin. If you choose a network garage, you may be eligible for a cashless claim. In this case, the insurer pays the garage directly, and you only pay the non-covered amount.
If you select a non-network garage, you will need to pay the repair cost first and then apply for reimbursement. Submit final bills, receipts, and repair reports to the insurer. After verification, the claim amount is settled in accordance with the policy terms.
5 Common Mistakes to Avoid While Filing a Bike Insurance Claim
Many claims are delayed or rejected due to simple errors. Being aware of these can save you time and trouble.
1. Delaying claim intimation beyond the allowed timeframe
2. Repairing the bike before the surveyor completes the inspection
3. Submitting incomplete or incorrect documents
4. Failing to understand policy coverage, exclusions, or deductibles before filing the claim
5. Providing inconsistent or unclear accident details
Following the correct steps reduces the risk of complications.
After an accident, submitting a bike insurance claim can be simple if you act promptly. Keeping detailed records of the damage, providing the required documents, and following your insurer's instructions ensure a seamless claim process.
Timely communication helps speed up approval and settlement. Understanding the procedure allows you to handle the claim confidently and get back on the road without stress.
(Disclaimer: The above press release comes to you under an arrangement with NRDPL and PTI takes no editorial responsibility for the same.).
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Smriti Mandhana named BBC Indian Sportswoman of the Year for 2025
New Delhi (PTI): Star batter Smriti Mandhana, who played a pivotal role in India's historic 2025 Women's World Cup triumph, was named the BBC Indian Sportswoman of the Year for 2025 at a glittering function here on Monday.
Chess prodigy Divya Deshmukh won the Emerging Player of the Year award, for her historic FIDE Women's World Cup triumph at just 20.
Preethi Pal was named the Para-Sportswoman of the Year, for winning two bronze medals at the 2024 Paris Paralympics in track and field, while Anjali Bhagwat was honoured with the Lifetime Achievement Award, recognising her pioneering career as India's first woman shooter to reach an Olympic final and her trailblazing success on the world stage.
Mandhana, who is currently touring Australia with the Indian team for multi-format bilateral assignments, said in a video message: "Thank you BBC for giving me the awardfor Best Sportswoman of the Year. 2025 was a special year for women's cricket, especiallytowards the end we had a World Cup and I'm happy I could contribute and help India win matches.".
At 29, the left-handed batter is already among the game's greats, with the second-highest number of centuries in women's One Day Internationals and ranking third in total runsscored among current players worldwide.
Hailing from Sangli city in Maharashtra, the affable Mandhana was inspired by her father and brother, both of whom played cricket at the district level.
In September last year, she made a 50-ball hundred against Australia – the fastest 50 over international ton (men and women) by an Indian in the format, breaking Virat Kohli's record.
The award winners were decided by a distinguished grand jury comprising Leander Paes, Deepa Malik, and Anju Bobby George.
Praising the athletes' achievements CEO of BBC News, Jonathan Munro said: "Congratulations to this year's winners who showcase the very best in sporting excellence. The BBC World Service is committed to bringing such stories of human endeavour and outstanding success to audiences across India and around the world.".
Additionally, the ceremony also celebrated a wide spectrum of talent and impact, recognizing star performers and changemakers for redefining the landscape of Indian sport.
BBC Star Performers of the Year 202.
• Indian Women's Cricket Team: for their historic World Cup victory.
• Ekta Bhyan, Deepthi Jeevanji and Preethi Pal: for their trailblazing performances at the World Para Athletics Championship.
• Indian Women's Cricket Team for the Blind: for their inspiring World Cup victory.
• Indian Women's Kabaddi Team: for their smashing victory in World Cup.
.
BBC Changemakers of the Year 202.
• Indian Women's Ice Hockey Team: for breaking barriers in a non-traditional sport.
• Rajbir Kaur: Indian field hockey player and former captain of the women’s national team.
• Savita Punia: Indian field hockey player and current member of the national team.
• Paani Devi: recognised for her impactful contribution to grassroots sport.
