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.

1. Ensure Safety First
- Check yourself and others for injuries.
- Move your bike to a safe spot, switch off the engine, and use hazard lights if possible.
- Call for medical or roadside assistance if needed.

2. Inform the Police (If Required)
- File an FIR in cases of theft, third-party injury, death, or major property damage.
- For minor accidents, insurers may not require a police report, but it’s safer to confirm.

3. Notify Your Insurance Provider Promptly
- Register the claim online via app/website or call customer support.
- Provide policy number, accident details, and location.
- You’ll receive a claim reference number.

4. Document the Damage
- Take clear photos/videos of your bike, accident site, and other vehicles involved.
- Ensure the number plate is visible in at least one image.

5. Understand Your Coverage
- Review your policy inclusions, exclusions, and deductibles.
- Comprehensive insurance usually covers own damage + third-party liability.

6. File the Claim Form
- Submit online/offline claim form with accurate details.
- Required documents:
- Policy document
- Registration Certificate (RC)
- Driving licence
- FIR copy (if applicable)
- Repair estimates/invoices

7. Survey and Inspection
- Insurer appoints a surveyor to assess damage.
- Don’t start repairs until inspection is complete and approved.

8. Repairs & Claim Settlement
- At a network garage: cashless claim (insurer pays directly).
- At a non-network garage: pay upfront, then apply for reimbursement.
- Submit final bills and receipts for settlement.

Common Mistakes to Avoid
- Delaying claim intimation beyond allowed timeframe.
- Repairing before surveyor inspection.
- Submitting incomplete/incorrect documents.
- Not understanding policy coverage/exclusions.
- Giving inconsistent accident details.

✅ Following these steps ensures a smooth claim process, faster repairs, and reduced stress after an accident.