How to Claim Bike Insurance After an Accident in India?

Indians love their bikes. Not only are they a mode of transport but for many, bikes are a passion. However, as with anything, accidents happen. And when they do, it’s important to know how to claim bike insurance in India so that you can get back on the road as soon as possible – and with as little financial burden as possible.

In this blog post, we will explore how to claim bike insurance after an accident in India.

Types of Bike Insurance Claims

There are two types of bike insurance claims in India and here’s a glimpse of both,

Cashless claims

If you have a bike insurance policy, you can make a cashless claim at any of the network garages of your insurance company. Once you have submitted all the required documents, the garage will start repairing your bike. The cost of repairs will be borne by your insurance company and you will not have to pay anything out of your own pocket.

Reimbursement claims

If you have been involved in a bike accident in India, you will need to submit a reimbursement claim to your insurance company. Here is a step-by-step guide on how to do this:

1. Gather all the necessary documents that you will need to submit with your claim. This includes the police report, medical reports, repair estimates, and any other relevant documentation.

2. Contact your insurance company and let them know that you would like to file a claim. They will then provide you with the necessary forms and instructions.

3. Fill out the forms and submit them along with all the required documentation.

4. Once your claim has been processed, you will receive reimbursement for your damages and expenses.

How to File a Two-Wheeler Insurance Claim

In the event that you are involved in an accident with your two-wheeler, it is important to know how to file a claim with your insurance company. Here are some tips on how to do so:

1. Firstly, you will need to lodge a police report as soon as possible. This is important in order to have a record of the accident.

2. Secondly, you will need to gather all the relevant documents such as the insurance policy, registration certificate, driving license, etc.

3. Once you have gathered all the required documents, you can then proceed to file a claim with your insurance company. You will need to fill out a claim form and submit it along with the supporting documents.

4. After your claim has been processed, you will receive a settlement from the insurance company.

Documents Required for Filing Bike Insurance Claim

1. The duly filled and signed claim form.

2. Your bike insurance policy copy.

3. A copy of the FIR filed with the police, if applicable.

4. Medical reports and bills, if applicable.

5. Repair estimates from a garage, if applicable.

6. Any other relevant documents that may be required by your insurer.


In India, there are many different types of bike insurance available, and it can be confusing to know which one to choose. However, if you are involved in a bike accident, it is important to know how to claim bike insurance.

The process is not as complicated as you might think, and by following the steps outlined in this article, you will be able to get the compensation you deserve.

Author Bio:

 Smriti Gala works as a Digital Marketing Manager with Coverfox. As her life turned upside down when COVID severely afflicted her family members, Smriti decided to dedicate her expertise towards informing and educating the masses about the importance of health insurance. When she is not actively writing enlightening content, our ‘monk marketer’ likes to meditate, meet new people and explore less traveled territories.


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