How to File or Claim Bike Insurance After Accident?
Most of us lend our bikes to our friends in case of an urgent requirement at their end. However, have you ever considered what happens to your bike insurance claim in case of an accident that takes place when your friend was driving the vehicle? How do you raise a claim in that case? Read on to know all about it in this post.
Does the Bike Insurance Policy Cover the Damages if the Bike is Driven by Another Person?
Fortunately, yes it does. Two-wheeler insurance policies in India cover any damages or losses suffered due to the bike when it is being driven by anyone apart from the owner. So, you are assured of the claim insurance after bike accident. But this coverage comes with a certain set of rules or, in other words, terms and conditions.
Terms and Conditions to Get Bike Accident Insurance Claim
If you remember these rules, you can rest assured of complete coverage from your two-wheeler insurance policy. Care to know about them?
Rule # 1 – Your Friend Must be Sober
If you don’t know, accidents or losses suffered when driving under the influence of alcohol or drugs are not covered by a two-wheeler insurance policy. As much as alcohol might be tempting, make sure your friend is sober when driving the bike. If he causes any accident and is found to be driving under the influence of alcohol, prepare to face the music. Your insurance policy would not pay a single dime in case of a bike insurance claim and you would be held financially responsible. Would you want that?
Rule # 2 – Your Friend Should Have a Valid Driving License
This is something that a child also knows. Drivers having a valid driving license are only permitted to drive a vehicle. Your friend borrowing your bike should have one. It should be your responsibility to check your friend’s driving license. After all, in an accident, lack of a driving license would shift the burden on you! So, allow your friend to drive your bike only if he/she has a valid driving license.
Rule # 3 – Your Friend Should not Take Your Bike Outside the Geographical Borders of India
Two-wheeler insurance policies cover accidents or damages suffered when the bike is driven in India. If your friend wishes to take the bike beyond the Indian borders, your policy would not pay for any damages faced. So, find out the destination your friend is wishing to drive your bike to. Make sure it is not to Nepal, Bhutan or anywhere beyond the Indian borders.
Share your bike with your friends. There is nothing stopping you. You do not have to worry about the applicability of your two-wheeler insurance policy. It covers damages faced whether driven by you or your friend. Just make sure to keep the above-mentioned pointers in mind and you would not be disappointed.
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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