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Bike Insurance Claim Process

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Bike Insurance Claim Process

Home / Two-wheeler Insurance / Bike/Two Wheeler Insurance Claim Process - Types

While you ride your bike on the roads, there are always chances of damages. These damages or losses can be due to an accident, natural calamities, riots, fire or theft. Such unfortunate incidents are always unpredictable. The worse thing is these damages can burn a hole in your pocket.

Thanks to bike insurance policies, you can now protect your bike from unforeseen situations. All you have to do is inform your insurance company about the losses/damages by raising a claim. The dictionary defines a claim as an application for compensation under the terms of an insurance policy. Once you raise a claim, your insurance company will assess the impact and compensate you as per the terms and conditions. Hence, it is recommended to opt for an insurer who settles your claims swiftly and hassle-free.

Types of two wheeler insurance claims
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Cashless claims
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When you make a cashless claim, you take your bike to a network garage for repairs. A network garage is the one affiliated with your insurance company (ACKO in this case). In this case, ACKO will settle the bill with the garage directly. You just pay the deductible amount and the rest is taken care of by us.

Reimbursement claims
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In Reimbursement Claims, you need to pay the repairs bill from your pocket and then submit the original bills, payment receipts, etc. to ACKO. ACKO shall subtract the deductible amount as per the terms and conditions and reimburse the repair amount to you. In this case, you can get your two-wheeler repaired at your preferred garage.

How does instant settlement work for bike insurance claim?
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Upload the picture
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Click a picture of your damaged bike and upload it to our website/mobile app.

We send the money
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After assessing the damage, we transfer the estimated cost of repairs directly to your account.

Ride stress-free
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Get your bike repaired at your convenience and get rolling again.

We also help you with minor bike damages by getting it repaired on the spot. Whether it’s a broken headlamp or a dented oil tank, our expert mechanic will fix your bike right at your doorstep. And if any part needs replacement, we’ll get it done at one of our garages.

Ride easy with ACKO’s stress-free bike claim process
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Our claims won't take you for a ride. It’s easy, hassle-free and stress-free to file bike claims on ACKO. Just log in to or download the mobile app and click on "Claim Now" on your policy card to register your claim. We will take care of the rest!

Instant settlements
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Submit the picture of your damaged motorbike and get money directly in your account with our revolutionary claiming process. All in a matter of just 2 hours.

Zero paperwork
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Why waste paper when you can go digital? With us, you completely skip monotonous paperwork and raise claims anytime and anywhere.

Cashless claims
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We don’t let you spend money out of your pocket at any point during your claim. Get your bike repaired at a network garage and we will take care of the repair costs.

Two wheeler claim insurance process
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The claim settlement process is different in the case of third-party liabilities, own damages and total loss/theft of your bike. The below table outlines the claim settlement process for each of these situations.

Step Third-party Own damage Theft
Step 1 If your two-wheeler causes damage to a third party or their property, immediately inform the police and your insurance company. If you are a victim, take third-party vehicle policy details, and inform their insurance provider. In the case of any loss or damage to your bike, inform your insurance provider immediately. If you do not inform within the stipulated time frame, your claim could be rejected. If your two-wheeler is stolen, immediately inform the police and your insurance company.
Step 2 After being informed, the insurer transfers the issue to the Motor Accident Claims Tribunal. After being informed, your insurance provider appoints a surveyor to assess and examine the case. After a survey, the insurer sends the approval to the garage to proceed with the repair work. Along with FIR, submit a copy of your bike documents such as bike registration certificate, your driving licence, etc. to your two-wheeler insurer. You might also have to submit the original bike keys.
Step 3 The tribunal then decides the amount to be paid as compensation. Your insurance provider then pays the repair cost to you as per the terms of your policy. The police will issue a non-traceable certificate if they fail to trace your bike within a reasonable time frame. Your insurance company then settles your bike claim as per the terms and conditions of your insurance policy.

Documents required to file a claim
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1. A copy of your two-wheeler registration certificate.

2. Police report or FIR, in cases like theft.

3. A copy of the insurance policy and your driving licence.

4. Original repair bill, cash receipts, etc.

Common reasons for bike insurance claim rejections
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As per the terms and conditions, your insurance company (in this case ACKO) can accept or reject your bike claim. So, it is advisable to take the necessary precautions to avoid claim rejection. Below are the common reasons behind the same.

Incorrect information
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The details provided by you in the claim application form are incorrect or false.

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The accident took place while you were driving under the influence of drugs or intoxicating substances.

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You were driving your bike without a valid driving license.

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You own a second-hand bike and the two-wheeler insurance is still in the name of the seller.

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You did not inform your insurer (e.g. ACKO) about the accident, within the stipulated time frame.

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You get your bike repaired without or before informing your insurer.

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The bike damages occurred due to your negligence/carelessness.

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ACKO observes that the bike repair cost will be higher than the depreciated value of your two-wheeler. In this case, you will be paid an amount equal to the depreciated value.

Illegal use
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You use the bike for purposes other than those mentioned in the policy.

Inactive policy
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A claim filed against an inactive bike insurance policy will be rejected.

Tips to ensure smooth and quick bike insurance claim process
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1. Drive with a valid license and follow the law.

2. Avoid drinking and driving.

3. Understand your coverage, inclusions, and exclusions.

4. Read the insurance policy document carefully.

5. Keep a copy of your two-wheeler insurance policy with you or upload it in DigiLocker for easy access.

6. Understand the claim process clearly.

7. Do not get the bike repaired without informing the insurance company first.

8. Raise a claim within the stipulated time to avoid rejection.

9. Always keep your bike insurance policy active. Your claim will be rejected if the policy has expired.

Ways to avoid claim rejections
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Your bike is a valuable asset, and any damage to it can make your financial plans go for a toss. However, if you insure your bike with a digital insurance company like ACKO, you can stay relaxed and experience a smooth claims process. You need to be vigilant and ensure that you do not miss out on any mandatory steps for a hassle-free claim process. Here are a few tips to ensure you have a smooth claims process.

contact / phone

Contact your insurer
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Inform ACKO immediately about the accident and report the damages sustained by your bike.

Take Pictures

Take pictures
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All insurance companies will require evidence of the accident and the consequential damages to either the third party or your bike. Ensure you take clear pictures of the damages and protect the evidence.

Register a claim

Don’t wait to register a claim
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It is important to inform ACKO immediately and not delay. Different insurance companies have different deadlines, post which claims will be rejected.


Be honest
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Ensure that you are honest about the details and not exaggerate the damage. After filing the claim, ACKO will assign a surveyor to assess the damage. Any misinformation of the damages can lead to the rejection.


Follow-up with the insurer
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In case it is beyond the turnaround time for ACKO to get back to you about the claim, follow-up with us on the progress of the claim until you get a clear response.

When should you not raise a claim?
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There are a few cases where it is beneficial not to raise a claim against your bike insurance. Let's look at a few scenarios where not registering claims can save your money or benefit you.


If the NCB discount is higher than the claim amount
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ACKO rewards you for driving safely and not raising any claim during a policy period. This reward is in the form of a No Claim Bonus discount on the premium amount at the time of policy renewal. It is recommended not to raise a claim for minor damages if your NCB discount is more than the claim amount.


If the amount of the deductible is more than the claim amount
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Deductible is the amount you need to pay at the time of claim settlement. Insurers settle the claim amount after deducting them. There are two types of deductibles - Mandatory and Voluntary deductible. Since deductibles are your out-of-pocket expenses, it is a good idea not to raise a claim if this amount is more than the claim amount.

Why Should You Buy Comprehensive Bike Insurance Online?
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Here is why you should buy a Comprehensive Two wheeler Insurance Policy online over offline.

Frequently asked questions about bike insurance claims
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Have queries related to bike insurance claims? The following section addresses the most commonly asked questions related to the two-wheeler insurance claim. For specific queries related to ACKO’s claim settlement process, write to us at [email protected].

Here are some of the frequently asked questions related to two-wheeler insurance claims.


Can I raise a claim if I take my bike to a non-network garage?

Yes, you can raise a claim even if you take your two-wheeler to a non-network garage. In this case, you will have to pay the repair cost and then claim reimbursement from ACKO by submitting all invoice documents. ACKO will reimburse the repair cost after deducting deductibles as per the insurance policy. 

Why is it important to know the claim settlement ratio before buying a bike insurance policy?

You buy an insurance policy to safeguard yourself from unfortunate events related to your bike. This happens only if your insurer honors your claim. The claim settlement ratio gives you an idea about their reliability. The higher the claim settlement ratio, the more reliable is the insurance company. Having said this, along with this ratio, other factors such as their services, online reviews, etc. also must be taken into consideration before selecting your insurance provider. 

Is there a limit on the number of bike claims that can be raised?

No, a genuine two-wheeler claim can be raised unlimited times. However, this would be the rarest of the rare case. It is recommended to avoid raising a claim for minor damages to enjoy No Claim Bonus discount benefit. 

What is the role of No Claim Bonus in bike claim settlement?

If you do not raise a single claim in an active policy year, you enjoy a No Claim Bonus benefit. This allows you to enjoy a discount on your bike premium amount when you renew your insurance policy. The No Claim Bonus discount can go up to 50 percent if you do not raise any bike claim for five consecutive years. 

What is the role of Add-ons in two-wheeler claim settlement?

You can enhance your bike insurance coverage by paying extra. The additional covers that you purchase along with the Comprehensive policy are known as add-ons. The most common bike insurance add-ons include Zero Depreciation cover, Consumables cover, Personal Belonging - Damage/Bike theft cover, Key Protect, Outstation Emergency, Roadside Assistance and Bike Engine Protect. Add-on covers affect the number of claims that you make. You are unlikely to pay for the loss from your pocket at the time of the claim.

Is it okay if I get my bike repaired first and then raise a bike claim for damages?

No, your bike claim will be rejected if you get your two-wheeler repaired without informing the insurance company about the damages to your bike. This is because your insurer will arrange for an inspection. The surveyor will assess the extent of bike damage. You should always repair the bike after getting a green signal from your two-wheeler insurance company.

Can we claim insurance for lost bikes?

A Third-party bike insurance policy does not cover damages to your bike. Only if you have purchased Comprehensive bike insurance, you can register a claim for a stolen bike. In such a case, ACKO (or another insurer) shall pay you the IDV amount after deducting the depreciation and other deductibles. 

How many times can I claim my bike insurance?

There is no limit on the number of claims you can raise during a policy period. However, avoid raising claims for minor damages to enjoy NCB discount on policy renewal. 

What documents are required for an insurance claim?

The documents required to file a claim depend on the nature of a claim. However, here are a few documents that are required while registering a bike insurance claim:

  • Copy of your two-wheeler registration certificate.

  • Copy of the insurance policy

  • Your driving licence.

  • Police report or FIR and Non-traceable Certificate, in cases like theft.

  • Original repair bill, cash receipts, etc.

What are unfair claims practices?

A few of the unfair claims practices are registering fraudulent claims, exaggerating damages, not following traffic rules during the incidents, sharing inaccurate information, etc. In such cases, there are high chances that your claim may be rejected.