Minus/plus icon
ResourcesExplore the full ACKO experience and make the most of your plan

Home / Two-wheeler Insurance / Articles / Mistakes to Avoid While Making 3rd party Bike Insurance Claims

Mistakes to Avoid While Making 3rd party Bike Insurance Claims

Team AckoJan 17, 2024

Insurance claim rejection can be frustrating since it could involve a lot of money. Sticking to the rules of the insurance policy becomes the most critical factor to expedite the compensation procedure, especially in the case of third-party two-wheeler insurance claims. Raising a claim against your bike insurance policy should be your foremost priority after an accident. And, you need to ensure that you do not make a mistake while filing the claim. 

Here are the most common mistakes to avoid while filing third-party bike insurance claims for rightful compensation.




8 Mistakes to Avoid While Making Third-party Bike Insurance Claims

1. Don’t Run Away from the Scene of the Accident

Accidents can be frightening, especially if there is a third party involved. It is important to hold your nerve and not move away or your bike from the accident scene. Check if medical attention is required and try to arrange for the same.

2. Don’t Forget to File the First Information Report (FIR)

One of the most critical aspects of successful compensation is to file the FIR at the local police station. It is all the more important in case of third-party losses such as injury or death. 

FIR is a piece of crucial evidence for insurers to process the claim as it holds the description of the accident.

3. Don’t Delay Raising the Claim

Make sure you inform ACKO immediately as soon as the accident occurs. Also, it is vital to inform us before you take the bike for repairs. There might be situations where the policyholder is in a state of shock or is injured. A slight delay in informing us is acceptable; however, a long delay in notifying us can lead to the rejection of your claim.

4. Not Capturing the Evidence

It is recommended that you take pictures of the damaged vehicle. Not submitting any photos will not lead to rejection of the claim; however, it will help speed up the claim settlement process.

5. Driving the Insured Vehicle Without a Valid Driving License

Unavoidable accidents can cause a lot of damage to the bike and probably heavy losses incurred to the third party. In such cases, the driver of the vehicle is questioned. Hence, the driver should be carrying a valid driving license at the time of the accident. Additionally, the driver should not be under the influence of intoxicating substances.

6. Don’t Panic

Stressing over the situation will block your thinking capabilities. Take a deep breath and start thinking about the next step that you need to take to de-escalate the problem. Arguing about the accident and finding the fault will not help reduce the stress. You must find a solution to the problems. Think wisely and then take the next course of action.

7. Don’t Forget to Collect Details of the Third party

For a successful claim settlement, ensure you collect all the details of the third party. Note down the vehicle number, insurance details, and probably the contact number of the third party. If you don’t want the claim to be rejected, you must support your claim with substantial evidence.

8. Don’t Sign Documents or Accept a Cheque Stating ‘Final Payment’

Never sign any documents issued by the third party’s insurer until you get legal advice on the same. Also, don’t accept a cheque which states ‘Final Payment.’ It is better to get legal advice before you accept such payments. The process of third-party bike insurance claims is tedious. However, if you follow all the required protocols, there is very little chance of your claim being rejected.


Filing third-party two-wheeler insurance claims on time will avoid complications while settling the claims. Furthermore, it is crucial to inform ACKO immediately. Being truthful about the incident will go a long way in ensuring a timely settlement of the claim. Third-party bike insurance claims can be a tedious procedure; however, they can be avoided if you do not make the mistakes mentioned above.

Frequently Asked Questions

What is Third-party cover in bike insurance?


It is mandatory insurance coverage for your bike as prescribed by The Motor Vehicles Act, 1988. The plan provides financial coverage for the policyholder against third-party losses. Losses can be due to death or injury to the third party or damages to their property.

What is not covered by the Third-party Bike Insurance Policy?


The Third-party cover does not provide financial protection against damages to the insured bike. For that, you should buy a Comprehensive Bike Insurance Plan that comes bundled with the Third-party Bike Insurance Policy and Owd Damage, the latter covering damages to the insured bike.

Will a third-party claim affect my two-wheeler insurance plan?


As the Third-party Bike Insurance Policy does not include Own Damage insurance, third-party claims will not affect the sum insured for your bike.

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:


Want to post any comments?


Bike insurance prices starting at just ₹457*

Buy or Renew Two Wheeler Insurance in 2 Minutes ⚡

Bike number

UID: 5676 | *T&Cs apply

Looking to insure brand new bike?

Zero commissions, big savings

UID: 5676 | *T&Cs apply

quote icon

Get Quote

quote icon