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Does bike insurance cover riot damages?

Team AckoOct 4, 2021

When violent protests break out, business, home, and bike owners often bear the brunt of damages to their property. The bike insurance plan covers property damage caused by riots, provided you have opted for the Comprehensive Insurance plan. Here is a guide on coverage for riot damages and the procedure to raise a claim against your bike insurance policy.

Does Bike Insurance Cover Riot Damages

Bike insurance and riot damage cover

Damage to bikes is covered under the optional Comprehensive Insurance plan. The plan includes both, the Third-party Liability Plan (TP) and Own Damage (OD) cover. 

The latter provides coverage against damages incurred due to man-made disasters such as a riot or vandalism. It also covers your bike against damages incurred due to natural calamities (cyclones, floods, earthquakes, etc.), fire, explosions, accidents, apart from coverage for vehicle theft.

It is vital that you cover your bike with the Comprehensive Insurance plan for wide-ranging benefits and protect your bike against unforeseen calamities.

Things to do when the bike is damaged in a riot

You may not be able to avoid damages to your bike in case of a riot, but it is important to know what to do when your bike is damaged in such a scenario.

  • File First Information Report (FIR): Register an FIR immediately at the local police station. The FIR is an important document that you need to submit while raising the claim against such damages. FIR will help substantiate your claim for riot damages.

  • Inform ACKO: Don’t delay in informing your insurer (in this case ACKO). A delay can lead to the rejection of your claim. You can intimate us through our website, mobile app, via email or by calling us.

  • Take pictures and/or videos: Take enough photos of the damaged vehicle since it will be required while submitting the claim online.

  • Obtain required documents: To raise a claim against riot damages to your bike, you must submit mandatory documents. These include the FIR, Registration Certificate of the vehicle, your Driving Licence, Fire Brigade report (if required), and repair bill in case of reimbursement claims.

  • Ensure the policy is valid: To raise a claim for riot damages or other man-made calamities, your policy should be active and not expired. It is important to renew the bike insurance policy within the expiry date to avoid rejection of claims.

  • Inspection of the vehicle: A surveyor will be assigned to inspect the cause and extent of the damages. Based on the inspection report by the surveyor, ACKO will settle the claim according to the terms and conditions of the policy.

How to register a two-wheeler insurance claim for riot damages?

Registering a claim against your bike insurance policy at ACKO is a hassle-free experience, thanks to the online platform that lets you raise a claim at any time and from anywhere. Here are the steps to submit a bike insurance claim for riot damages.

  • Step 1: Log in to your ACKO account via the website or mobile app.

  • Step 2: Under your policy card, select ‘Claim’ and answer a few questions about the damages.

  • Step 3: Upload the pictures of the damaged vehicle and the required documents to submit your claim.

Our support team will get in touch to help you with your claim.

Documents required

Here are the documents you need to submit while registering a claim against your policy for riot damages to your bike.

  • FIR

  • Registration Certificate (RC) of your bike

  • Driving Licence

  • Fire Brigade Report (if required)

  • Repair bill and payment receipt (in case of reimbursement)

  • Any other document as requested

Protecting your bike from riot damages

Riots are unpredictable. It can have a devastating impact on people’s life and property. However, with a little bit of caution, you can reduce the risk of riot damages. Here are some tips.

  • Park your bike in a safe area.

  • If possible, park the bike in a place that has security personnel guarding the area.

  • If you sense that your bike is parked in an area or is passing through a place where rioting can occur, ensure that you move your bike away from that area. Ensure that you take care of your safety during such situations.

  • Secure your bike with the Comprehensive Insurance plan since it offers coverage for damages to your bike, especially in case of natural or man-made calamities.

  • If possible, park the bike in a place with Close Circuit Television (CCTVs) cameras.

Key takeaway

You cannot prevent situations such as riots or vandalism; however, you can plan and secure yourself against such losses. Secure your bike with the Comprehensive Insurance plan and ensure that it is valid at all times. Since insurance coverage for your bike can be a relief in terms of finances, it is recommended that you choose the right insurance plan and a reliable insurer such as ACKO for a hassle-free experience.

Frequently asked questions

Here are common questions about riot damage cover under the bike insurance policy.

What is the compensation if my bike is damaged beyond repair in a riot?

After considering depreciation and other deductions as per policy terms, the compensation will be an amount equal to your bike’s Insured Declared Value (IDV).

Can I include riot cover in my Third-party Bike Insurance plan?

No, you cannot include riot cover in your Third-party Bike Insurance plan. However, when you insure your bike with the Comprehensive Bike Insurance plan, man-made calamities such as riots, vandalism, strikes, etc., are covered under the policy.

Why are riot damage claims paid under the Comprehensive Insurance plan?

Riot damage claims are paid under the optional Comprehensive Insurance plan since it covers damages to your bike under the ‘Own Damage (OD) cover. The OD cover protects your bike against damages that includes natural calamities (earthquakes), man-made calamities (riots, vandalism, strikes), fire, accident, vehicle theft or damage beyond repair.

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