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How to Claim Bike Insurance After an Accident

Team AckoJan 17, 2024

A mishap can cause minor to severe damages to your bike, depending on the impact of the collision. The damages can be due to a crash, vandalism, weather-related damages, or your bike could be stolen. While you may assume that raising a claim is a cumbersome task, ACKO has made the process hassle-free.


The process of raising a claim may not be what you want to deal with, but raising a claim is an important step to recover your losses. If you have been involved in a bike accident and need to file a claim, this article will help you understand how to claim bike insurance after an accident.



How to claim insurance for bike accidents in India?

The process of filing a claim against vehicle insurance has evolved over the years. Traditionally, you had to fill forms and submit physical documents to raise a claim, but thankfully that has changed. Digital technology has enabled a better and faster claim registration process. You can file a claim within a few minutes. Digital-first insurers such as ACKO provide a seamless process for raising claims through the online platform (website/mobile app). 

But, what is an insurance claim? Read ahead to find out.

What is a bike insurance claim?

The process of claiming the sum insured amount of your bike insurance policy is known as a bike insurance claim. Suppose you have incurred financial losses due to damages to your bike. In that case, the insurance coverage is designed to provide financial assistance during such situations by registering a claim against your policy.

For example, while riding to work, an accident has damaged the bike’s front mudguard and the headlight. You can get the repair costs covered under your policy by raising a claim for accidental damage. By filing a claim, you are informing the insurer about the accident.

Types of bike insurance claims

It is vital that you inform the insurance company (ACKO in this case) as soon as your bike is involved in an accident. Here are the two types of bike insurance claims.

Cashless claims

In case of a bike accident and need of a professional repair garage, you can get the bike repaired at the network garage. A network garage is one affiliated with ACKO. Through this method of filing a claim, ACKO will pay the repair bill directly to the network garage. You just need to pay the required deductible, and ACKO pays the balance.

For example, an accident has damaged your vehicle, and the repair cost is Rs.10,000. You can get the vehicle repaired at our network garage, and ACKO will pay the repair bill to the garage. You need to pay the compulsory deductible and the applicable voluntary deductible (if opted).

Reimbursement claims

If you meet with a bike accident and the bike has sustained damages, you can get it repaired at a garage of your choice and then get the repair costs reimbursed. You need to submit the original repair bill, payment receipt, etc., to initiate the process of reimbursement. ACKO shall deduct the required deductible amount and depreciation of the parts as per the terms and conditions of the policy and reimburse the balance to you.

For example, your bike was damaged due to flooding, and the repair cost is Rs. 12,000. You can get the bike repaired at your preferred garage, pay the bill, and submit the original repair bill, payment receipts, etc., to ACKO. We will pay the repair cost after deducting the applicable deductibles (compulsory and voluntary).

Procedure for making a bike insurance claim after an accident

There are two scenarios. You are the victim, or you caused an accident. In the first case, the third party (that is you) will file an FIR and raise a claim with the other party’s insurance company. In the second case, you have to raise a claim with your insurer (ACKO in this case). In the first scenario, you cannot ask for compensation from ACKO since you will be compensated by a third party’s insurer.

Raising a claim against your policy, in case you caused damages to your two-wheeler, is easy and hassle-free through ACKO’s user-friendly online platform. Thanks to the robust digital platform that lets you file a claim instantly. There is no need to fill lengthy forms or submit physical documents to raise your claim. 

You can inform us by calling our customer care team, or you can raise a claim online through our website or mobile application. Below is the 3-step claim process through ACKO’s online platform.

  • Step 1: Access your account via our website or mobile app.

  • Step 2: Select the policy card against your bike and click on ‘Claim Now.’

  • Step 3: Answer a few questions about the damage and upload a photo of the required documents to register your claim.

Our support team will assess your claim, get in touch with you and help you with settling the claim. ACKO may settle the claim within a few hours in case of minor damages. As for severe damages, you can get your bike repaired at a network garage for cashless claims, or you can get it fixed at your preferred garage and get the bills reimbursed. Please note, in both cases, you need to inform ACKO as soon as your bike is involved in an accident for a smoother claim settlement.

Documents required

Here are the documents you need to upload while filing your claim through ACKO’s website or mobile app.

  • First Information Report (FIR) or police report in cases such as theft

  • Original repair bill, payment receipts, etc. (in case of reimbursement claims)

  • Driving licence

  • Registration certificate of the bike

What should you avoid doing after a bike accident?

An accident can be a difficult situation to deal with. However, you need to ensure you follow all procedures to avoid rejection of your claim. Here are some of the things you should avoid doing after a bike accident.

  • Leaving the accident spot: In case of an accident, stop your bike and report it to the police if required. If you leave the accident spot, you will be heavily penalised. Whether the accident results in property damage, an injury, or death, ensure that you stop and, if need be, offer your assistance to the injured.

  • Not informing the police: If the accident involves a third party, you must inform the local police about the accident and file an FIR. An FIR can be a piece of crucial evidence during two-wheeler insurance claims. The FIR includes details such as the incident, contact information, description of how the accident occurred, etc.

  • Not informing the insurer: For a smoother claim experience, it is vital to inform ACKO as soon as the accident occurs. By delaying or not informing about the accident to ACKO, your claim can be rejected for not disclosing the accident immediately.

  • Agree for a settlement: You should avoid a settlement with a third party. Never get into a settlement by negotiating the repair cost with the third party since ACKO will reject your claim in such instances.

  • Not documenting the accident: Evidence is important for the right compensation. You must document the accident with photos or videos of the damages, registration number plate, etc. Also, record the contact information of all parties involved in the accident. This information is crucial during claim settlements.

Things to remember while raising a claim against your bike insurance policy

Here are tips that will help you experience a smoother claim registration process.

  • Inform ACKO and the police (if required) immediately about the accident.

  • Collect as much information to substantiate your claim.

  • Ensure you have all the necessary documents for a successful claim registration.

  • Cooperate with the support team during the claim settlement process.

Frequently asked questions

If my bike is damaged due to a fire, do I need to file a claim against Third-party Insurance or Comprehensive Insurance?


Since you are filing a claim for damages to your vehicle, you must raise a claim against your Comprehensive Bike Insurance policy.

What happens if my bike is stolen and is declared non-traceable by the police?


It is vital to procure the Non-traceable Report from the police where you filed the FIR. Once you have received the report, submit it to ACKO to process your claim. After assessing the report, ACKO will settle the claim by paying the Insured Declared Value (IDV) of the bike after deducting the required deductibles.

How many times can I raise the claim against my bike insurance policy?


There is no limit to the number of times you can raise a claim against your two-wheeler insurance plan. However, it is suggested to avoid filing claims for minor damages to enjoy the benefit of the No Claim Bonus (NCB) discount.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions. Explore More:


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