How Many Claims Can Be Raised in Two-wheeler Insurance Policy
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Wondering, can you raise more than one claim in a two-wheeler insurance plan? Riding a bike is fun but taking care of the damages or losses caused due to unforeseen situations can be a hassle. So, having two-wheeler insurance and knowing how many claims you can make under it, is important.
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For a bike owner, having a bike insurance policy is essential to take care of the unwanted monetary loss that may be incurred due to unforeseen events. But do you know the process to make a claim. Or are you sure about the number of claims that you can make under your two-wheeler insurance policy. Let’s understand this fact in this blog.
What is the Total Number of Claims You Can Make in a Year on Your Bike Insurance Policy?
The good news is there is no restriction on raising claims on bike insurance in India in a single year and you can raise as many claims as you want. The bad news is if you make a claim, it influences the NCB or the No Claim Bonus. Further, if you raise repeated claims in a policy year, your insurer might levy higher premium during two-wheeler insurance renewal.
However, policyholders of a comprehensive insurance policy with a zero depreciation add-on, cannot raise unlimited claims in a year. But the exact number of claims that they can make depends on the insurer and varies from one insurer to another.
What Will Happen if I Raise Repeated Claims?
Although, there is no restriction on making claims in a two-wheeler insurance online, but multiple filing of claims might hamper some benefits like mentioned below:
- Benefit of NCB – No Claim Bonus or NCB is the benefit that you receive at the time of renewal if you do not make a single claim within a policy year. This discount might be within the range of 20-50 per cent and keeps on increasing with every no-claim year. So, it is advised not to make claims for tiny bills or small damages to avoid such a situation.
- High Premium – By making repeated claims under your two wheeler third party insurance within a year, you will allow your insurer to levy more or a higher premium amount on your insurance than what you are paying now.
- Deductible – Deductible is the amount you have to pay from your pocket at the time of raising a claim for a two wheeler bike. So, you must ensure that the amount of deductible is less as compared to the amount of money that you would incur on repair work. If the deductible is high, there is no point in raising a claim.
- Zero Depreciation add-on limit – By choosing zero depreciation add-on cover on your bike insurance, you restrict the number of claims that can be made under your policy during a year.
What is the Best Time to Raise Claims?
Here are some tips to know the best time to raise a claim:
- It is better not to raise a bike insurance claim if the repair amount would cost less than what you might receive as NCB or No Claim Bonus.
- Also, if the repair amount is likely to be minuscule as compared to the deductibles you would pay, you may not raise a claim.
- In case of a third-party damage that caused your bike damages, you must not talk about bearing the cost and let the third party pay for it.
What is the Process to Raise Two-wheeler Insurance Claim?
The first thing that an insured must do is to inform the insurance company about any unfortunate event that might have been caused with the insured bike. Next, you can follow the necessary steps properly to complete a hassle-free bike insurance claim process online. Here, we are mentioning the steps for clear understanding on how to raise a two-wheeler insurance claim:
- As discussed above, you must intimate the insurer as soon as your bike meets with an untoward situation damaging your bike. Also, you must inform the nearby police station if it is an accident.
- Keep record of the incident by taking photographs of the damaged bike and that of the accident site to aid you at the time of the insurance company’s inspection.
- Share the pictures with the surveyor to help him/her assess the damage.
- After the inspection, you need to duly fill and submit the claim form to the insurer along with other required documents.
- Your insurer will verify the documents and will get the repair work started at the nearest network garage if you have applied for cashless claims. In case of reimbursement claims, you have to get the repairs done at a garage and send the bills and receipts to your insurer to receive compensation.
What are the Documents Required to Raise Two-wheeler Insurance Claim in India?
Below are the documents that you would need to raise under a two-wheeler insurance claim:
- Duly filled claim form
- Copy of bike RC
- DL
- Copy of tax payment receipt of bike
- Copy of FIR (if required)
- Approximate repair cost
- Bike insurance paper

Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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