Can I File a Bike Insurance Claim Without Being Involved in an Accident?

Riding a bike is indeed a thrilling and exciting experience for a rider. However, to become a responsible bike owner, you must own a bike insurance policy from a reputed insurance provider.

Bike insurance is like a safety net that covers you against any unforeseen event you may encounter while riding on a public road. Simply put, it saves you from dealing with hefty expenses arising due to unforeseen damage caused to or by your bike. By claiming insurance for 2 wheeler, you can deal with the expenses without breaking the bank.

Here arises a question: “Can I claim my bike insurance without an accident?”

In this blog, we will find out the answer to this question and gather some other useful information regarding the bike insurance claim process.

When to Claim Online Two-Wheeler Insurance?

To ensure a smooth and successful bike insurance claim process, learning about the right time to make a claim is important. Following are the major scenarios under which you can raise a claim against your online two-wheeler policy:

Road Accidents: A road accident is the most common scenario in which you can claim bike insurance. If your bike is involved in any road accident resulting in personal or third-party injury, you can raise a claim.
Natural Disasters: This refers to a condition where your bike suffered damage due to natural calamities such as floods, thunderstorms, and earthquakes. You can raise a claim under such situations.
Theft or Burglary: Some insurance policies cover theft and burglary of your two-wheeler. So, you can file a claim if your bike is stolen.
Man-made Disasters: Man-made disasters include riots, vandalism, etc. If your bike gets partially or completely damaged due to any such covered activity, you may be eligible to raise an online two-wheeler insurance claim.
Fires and Explosions: Besides the situations mentioned above, you can also raise a non-accident claim if your bike suffers damage due to an unforeseen fire or explosion.

How Does the Bike Insurance Claim Process Work?

The bike insurance claim process involves several steps that need to be completed carefully. These steps are as follows:

Assessing the Situation: The first step for claiming bike insurance is assessing the situation. You need to ensure that the situation comes under the terms and conditions of the policy.
Filing an FIR: In case of thefts, accidents, or vandalism, it is advisable to file an FIR. This report acts as legal proof of the incident and makes the claim process smooth.
Contacting Insurance Provider: Next, inform the insurer about the situation. At this stage, they will guide you on how you can raise a claim and get reimbursed.
Submitting Documents: Your insurance provider will ask you to submit the documents for proceeding with the claim procedure. These usually include a copy of the FIR, details of your insurance policy, your personal details, etc.
Approving the Claim: On receiving the required documents, the insurer will send their representative to verify your claim. Once that is done, your claim will be approved.
Reimbursing of the Claim: After the approval, the insurance company will settle the claim as per the terms and conditions. Leading insurers like Tata AIG offer cashless claims, where you can get the bike repairs and replacements done at network facilities without spending any cash.

Can I Claim Insurance for a Bike Without an Accident?

As you can see, a bike insurance policy allows the policyholder to raise a claim under multiple scenarios other than just road accidents. These include natural calamities, theft, fires, man-made disasters, and so on. So, if you have not been involved in an accident but have been exposed to any other scenario covered under your bike insurance plan, you can still proceed with a non-accident insurance claim.

But remember, the terms and conditions online two-wheeler insurance policies vary from one insurer to another. Hence, it is recommended to understand the policy well before purchasing it. Another important aspect to check when purchasing a non-accident insurance scheme is to understand its cost. You can utilise a bike insurance premium calculator to get a close estimate of the amount you will be paying each month towards your bike insurance scheme. This will make sure that you can comfortably pay the insurance premium during the tenure of your bike insurance.

Final Words

Understanding the right time and conditions for claiming a bike insurance policy helps you go through the claim process smoothly. But is it possible to file a bike insurance claim without an accident? The answer is yes.

Bike insurance policies offer coverage for many other situations besides a road accident. It is advisable to go through the policy documents carefully to fully understand the exact situations under which you can raise a bike insurance claim.