What is Bike Insurance Claim Settlement?

The bike insurance claims process plays a crucial role in securing your financial protection against the various risks of riding a two-wheeler. Whether it is a personal accident, third-party liability or other unfortunate event, the two-wheeler insurance claim process ensures a timely reimbursement of your financial losses.

At IndusInd General Insurance, we offer a smooth bike insurance claims settlement process. It ensures a quick, easy and stress-free resolution of your bike insurance claim. Bike insurance claims settlement refers to a process by which your insurer compensates for the damages or losses covered under your bike insurance policy.

This process can involve cashless repairs, auto-part replacement and reimbursement based on the policy terms and the extent and nature of the damage.

The typical bike insurance claim process starts with notifying us of the claim and concludes with the final settlement.

Claim Intimation: You immediately inform our claims department after suffering a covered event.
Inspection/Survey: We send a surveyor to your location to inspect the vehicle and estimate the damages.
Documentation: You need to collect and submit all the required documents to our claims department.
Claim Evaluation: We evaluate the claim and verify the submitted documents to check the authenticity of the claim.
Final Settlement: Once approved, we will settle your claim as per the agreement.

IndusInd General Bike Insurance Claim Procedure

Step 1: The first step in our insurance claim process for bikes is to intimate your claim immediately (within 24 hours of facing the event). Here are the ways to do so:
- Call us on +91-22-4890-3009
- Register your claim instantly on the IndusInd insurance app.
Step 2: File an FIR and save a copy (if applicable).
Step 3: Download and fill out a claims form and submit it along with other necessary documents.
Step 4: Our surveyor will inspect your bike to estimate the damages.
Step 5: Once your claim gets approved by our department, you can choose between cashless and reimbursement claim settlement.

Cashless & Reimbursement Two-wheeler Insurance Claim Process

Cashless Claim Process

If you want a cashless settlement, send your vehicle for repairs to our network garage. You can use our garage locator tool to find the nearest facility.
Reimbursement Claim Process

If you want a cashless settlement, send your vehicle for repairs to our network garage. You can use our garage locator tool to find the nearest facility. Next, submit the original bills to our claims department for reimbursement.

Documents Required for Bike Insurance Claims

Details Required During Claim Intimation

As discussed above, you must inform our claims department within 24 hours of the occurrence of a covered accident. Below are the details you need to provide during this step:

Policy Details	Vehicle Details	Other Details
Policyholder name	Make and model of bike	Date, time and venue of the incident
Contact details	Vehicle number	Extent of loss
Policy number	-	Details on how the accident took place
-	-	Name of chosen garage

Documents Required for Different Types of Motorcycle Insurance Claims

Accidental Damage Claims	Theft Related Claims	Third-party Liabilities
Duly-signed Motor Claims Form	Duly-signed Motor Claims Form	Complete and duly-signed forms 28,29, and 30
A copy of your bike’s registration certificate	Original policy document	Letter of subrogation
A copy of the driving licence of the driver	Original registration documents with theft endorsement from your local RTO	Form 35 signed by the financer
A copy of the FIR report (in case of third-party property damage/death/ body injury)	Policy details	NOC from the financer (if claims are to be settled in your favour)
A copy of proof of ID such as Aadhaar, Voter ID, etc	All the keys, warrant cards and service booklets for your stolen bike	Consent letter stating you and your financer’s consent towards the agreed settlement value
Repair bills, estimate from the garage	FIR report	Claim Discharge Voucher
-	Acknowledged copy of the letter to respective RTO intimating theft and declaring bike “Non-Use”	-

Note: This list is indicative. We may request additional documents or arrange for verification if needed.

Claim for Different Types of Bike Insurance Policies

Third-Party Bike Insurance Claims

You can file a 3rd-party bike insurance claim only when you end up causing damages or loss to a third party or their property. Note that you can not file a claim for your own damages under this policy.

Our third-party two wheeler insurance claims team guides you through the legal complexities and compensates the accident victim.

Comprehensive Bike Insurance Claims

With our comprehensive bike insurance policies, you can raise a 2-wheeler insurance claim for third-party liabilities as well as damages sustained by your insured bike.

It offers comprehensive protection against personal accidents, liabilities and a range of other perils such as natural disasters, theft, fire, etc.

With our comprehensive bike insurance, you can settle your claims cashlessly at our network garages. You can also choose claim reimbursement for an efficient settlement.

Own Damage Bike Insurance Claims

Under our own damage bike insurance plans, you can raise a claim for damage or loss incurred to your insured two-wheeler. Note that you cannot file a claim for third-party damages with this policy.

Our Stand Alone Own-Damage (SAOD) two-wheeler policy covers a wide range of events and risks, such as natural calamities, fire, accidents, theft, man-made damages and more. You can opt for cashless or reimbursement motorcycle insurance claims under this policy.

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Difference Between Cashless and Reimbursement Claim

Aspect	Cashless Bike Claims	Reimbursement Bike Claims
Repair Facility	Cashless claims service is only available at our network garages.	The reimbursement facility offers the freedom to get your vehicle repaired at non-network garages.
Repair Expenses	Minimum to nil repair expenses as we settle your invoices directly with the network garage.	You need to bear the repair expenses in full and submit the invoices to get reimbursed.
Convenience	Highly convenient.	Convenient but slightly time-consuming.
Settlement Time	Shorter time due to direct settlement.	Takes up to 30 days for final settlement.

How to claim Bike insurance under different situations?

Steps to File Bike Insurance Claim In Case of Accident

Step 1: Inform our claims department as soon as your bike sustains damages due to an accident. Also, request any immediate attention or assistance.
Step 2: Gather claims documents and evidence.
Step 3: Get your bike inspected by our surveyor and receive a claim reference number.
Step 4: Once approved, take your bike to a network garage for cashless repairs. If you don’t want a cashless settlement, get the bike repaired at any non-network garage and follow the reimbursement procedure.

Steps to File Bike Insurance Claim In Case of Theft

Step 1: Lodge an FIR as soon as you realise the theft of your bike.
Step 2: Inform our claims department at the earliest (ideally within 24 hours).
Step 3: Inform your local RTO about the theft.
Step 4: Take the non-traceable vehicle report from the police station and submit it to us along with other documents and original keys.
Step 5: Get reimbursed based on the policy terms.

Steps to File Bike Insurance Claim In Case of Third-party Liabilities

Step 1: In case your bike causes damage or loss to a third-party, inform the police and our claims department immediately.
Step 2: Collect the details of the victim.
Step 3: Our claims department will take up the charge and take the case to the Motor Accident Claims Tribunal for final decision.
Step 4: The tribunal court will declare the final amount to be paid to the victim.

Step 5: We will compensate the victim party based on the policy terms and conditions.

Reasons for Bike Insurance Claim Rejection- How to Avoid?

How to Avoid: Make sure that all the claims documents you have submitted are correct and complete.

How to Avoid: Suppose you have raised a claim for a secondhand bike, which is still registered in the name of the previous owner. In such a case, make sure to get the bike transferred under your name, at the earliest.

How to Avoid: Always ride your bike responsibly and adhere to all the rules and regulations.

How to Avoid: Make sure to intimate your claim within 24 hours of facing the event.

How to Avoid: Make sure to renew your bike insurance policy in a timely manner to continue your coverage.

How to Avoid: Be a responsible citizen and avoid participating in any illegal activities.

How to Avoid: Before filing a 2-wheeler insurance claim, go through your policy wordings to check whether the event suffered is covered.

How Do I Appeal a Rejected Claim for Bike Insurance?

Our claims department works around the clock to provide you with an efficient resolution to your claim. However, if you are not satisfied with the settlement process, you can appeal against your claim decision in the ways mentioned below.

Step

Call on: +91-22-4890-3009 or email us

Step

If you are still not satisfied, email our Nodal Officer

Step

In case of further objections, email our Head of Grievances

Step

If your issue still remains unresolved, reach out to the Insurance Ombudsman

How to Track Bike Insurance Claim Online?

Step 1: Visit our Track Motor Claim Status
Step 2: Enter your policy number or claim reference number.
Step 3: Hit “Track Now” to learn about your claim status.

Alternatively, you can use our IndusInd Insurance application to check your claim status instantly.

What is a No-Claim Bonus in Two Wheeler Insurance?

A no-claims bonus in bike insurance means a discount offered for not filing any claim during the policy term. You can redeem this discount at the time of policy renewal to lower your premiums. With IndusInd bike insurance plans, you can enjoy a no-claims bonus ranging from 20% to 50%. Below is our NCB rate grid for your reference:

No Claims Bonus for Bike Insurance	Discount Rates
For a single claim-free year	20%
For two consecutive claim-free years	20%
For three consecutive claim-free years	35%
For four consecutive claim-free years	45%
For five consecutive claim-free years	50%

Authors - Model Bike

IndusInd General Insurance

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Stories shared by our happy customers!

Total Average Rating

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4.9 ★ ★ ★ ★ ★ (52)

Murali Krishna Alla

West Godavari

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Kunta Naveen

Vizianagaram

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Viral Kumarvinu Bhai Patel

Vadodara

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.

Kuldeep Singh

Shahjahanpur

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. I felt that my protection needs were well addressed with this policy.

Sandeep Kumar

Raichur

Quick policy issuance

Buying a Bike policy through the platform from Reliance (now IndusInd) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons.

Palepuni Raja

Nizamabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. The process felt reliable and I would recommend it to others.

Harish S

Nilgiris

Quick policy issuance

Buying a Bike policy through the platform from Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Aravinthsarathy B

Nagapattinam

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Dhananjay Nair

Kanyakumari

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Rosan Patel

Jharsuguda

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The process felt reliable and I would recommend it to others.

Surendra Kumar Sain

Jhansi

4.5

Value for money

I recently purchased my Bike insurance and found the experience very smooth. I'm happy with how everything went, product offering is fine.

Kulamatiadi Venkat Rama Appa Rao

Hyderabad

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras.

Uma Devirallabandi

Hyderabad

Quick policy issuance

I had a positive overall experience while applying for Bike insurance. The coverage provided matches my expectations and feels comprehensive.

Raj Kumar Goudburu

Hyderabad

Quick policy issuance

I had a positive overall experience while applying for Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company). I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Vijay Maken

Gurgaon

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It aligns well with what I needed from an insurance policy.

Manish Kumar Yadav

Gonda

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance (now IndusInd Insurance) experience and I am satisfied.

Arun Jain

Faridabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The convenience and clarity made this a good experience.

Sandip Chandrakant Mali

Dhule

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Jashobanta Parida

Dhenkanal

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Subrata Kumarsahani

Cuttack

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Janet Joshikad

Coimbatore

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. The plan offered exactly the type of coverage I was expecting.

Sathiamourthy Priya

Coimbatore

Seamless digital experience

The journey of purchasing Bike insurance felt effortless and user-friendly. The policy coverage and offerings do not match my requirements.

Hiren Kumar Raju Bhai Tailor

Bharuch

Quick policy issuance

I had a positive overall experience while applying for Bike insurance Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.

Abhishek Neelakantachar

Bengaluru

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Guru Nathakooni

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. It met my requirements well and felt tailored to my needs.

Aniket Rai

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Aneesh Krishnan Nair

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance (now IndusInd Insurance) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Madhava Rao Nagesh Rao

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Vinita Jain

Ahmedabad

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Rupesh Pandurang Khamgaonkar

THANE

Seamless digital experience

Getting my IndusInd two-wheeler insurance policy online was a breeze with a quick step-by-step guide to take me through the process.

Mr Javed Khan Maheboob Khan Pathan

NILANGA

Value for money

My bike is used only for nearby rides, so I wanted simple protection at a sensible price. The plan matched that without feeling costly.

Hemanth Kumar

MAGADI

Easy application

I wanted my RC and insurance papers together on my phone. After finishing the form, I downloaded the copy and saved it with my vehicle documents.

Manoj Kumar Modi

ANGUL

Seamless digital experience

I remembered the scooter renewal after dinner and finished it from home. The steps were short, and the document was ready without any delay.

Sanjaykumar Rajkumar Menase

AKKALKOT

Quick policy issuance

My two-wheeler insurance policy was issued instantly after payment completion.

Vikas Savlani

DAMOH

Easy application

Had a very smooth experience applying for the policy online.

Himanshu Kumar

CHANDI

Easy application

I was a little unsure while entering the registration number, but the steps were simple. I filled it carefully and got the insurance copy soon after.

Govindji Turam Suthar

MUMBAI

Quick policy issuance

I wanted all my bike papers updated before the month-end. I renewed online and downloaded the insurance copy right away.

Satinder Singh

GURGAON

Seamless digital experience

I usually delay insurance work because it feels boring, but this was not confusing. I followed the steps slowly and finished it myself.

Manoj Hirabhai Chudasama

BHAVNAGAR

Easy application

I compared options for my scooter and chose one that did not add things I would never use. The amount felt right for daily local travel.

Nagavenkata Basava Subbareddyped

TIRUMALAGIRI

Easy application

I renewed my two-wheeler insurance during a small break at work. Everything opened properly on my phone, and I did not need to call anyone.

Bonkanpally Raghupathi

NIZAMABAD

Value for money

My scooter is used mostly for quick nearby work, so I wanted the insurance done without much effort. The form was short, and I was able to complete it easily on my phone.

Deepa R

COIMBATORE SOUTH

Quick Policy Issuance

I had taken a second-hand scooter and wanted the insurance sorted properly. The steps were clear, and I could update the details without getting stuck.

S M Karunya Krishna

CHITTOOR

Quick Policy Issuance

I realised my bike insurance had expired while keeping my vehicle papers ready. I renewed it online and got the copy within minutes.

Shivappa Nayakar

BANGALORE NORTH

Quick Policy Issuance

I had to go out urgently and wanted to be sure my bike insurance was active. The message came soon after payment, which gave me peace of mind.

Vimala V

PUZHITHIVAKKAM

Seamless Digital Experience

Our scooter is used by everyone at home for small work nearby. I wanted the insurance active, and the online process was quick enough to finish from home.

Payal Priyadarshani Nath

HYDERABAD