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Steps to claim scooter insurance

Team AckoJan 17, 2024

Scooters can make commuting a breeze. With small engines and compact frames, you can cut through traffic without much effort. Unlike the minimalistic design of motorcycles, scooters are designed with larger plastic or fibre panels. 

The chances of damage during an accident is very high due to large panels. Hence, it may require an extensive repair job or even replacement of these panels. During such situations, you may want to raise a claim against your policy. And, the last thing you probably want is unpleasant surprises while registering your claim. 

In this article, we’ll highlight the simple steps to claim scooter insurance at ACKO. Plus, we shall also talk about a few rules to go by to avoid claim rejections.




How to claim scooty insurance?

Scooter is also popularly referred to as ‘scooty’. The process of raising a claim for the damages or losses incurred by your scooty is straightforward and hassle-free through ACKO’s robust online platform. You can raise the claim through our official website, mobile app or call our support team to initiate the claim. Here are the types of claims and the steps to submit your claim through our website or mobile app.

Types of scooter insurance claims

Here are two primary types of scooty insurance claims.

  • Cashless claim: You can get your scooter repaired at the network garages, and ACKO will pay the repair bill to the garage. You may need to pay the required deductibles, as per policy terms.

  • Reimbursement claim: You can get your scooter repaired at a garage of your choice and get the repair cost reimbursed by ACKO.

Please note, you need to inform ACKO about your choice of raising claims through the cashless or the reimbursement process before you repair the scooter.

Steps to claim insurance for scooter

Step 1: Log in to your ACKO account through our official website or mobile app.

Step 2: Select your scooty insurance policy and choose ‘Claim’. Step 3: Answer a few questions about the damages and upload the pictures of the damaged scooter.

For minor damages such as dents, broken mirrors, scratches, etc., we may settle the claim within a few hours. As for severe damages, our support team will help you with the procedure.

How to file a scooty insurance claim in case of an accident?

Follow the points below to raise a claim against your scooter insurance.

  • Don’t panic. Calm down and ensure all are safe and if anyone requires assistance.

  • When the situation is under control, ensure you collect enough evidence through photos and videos.

  • Inform us through our website/mobile application, or you may call us.

  • Our support team will guide you through the claim procedure.

Documents required

At ACKO, we follow a paperless model. There is no need to fill forms and submit physical documents for your scooty insurance claim. You need to scan these documents and upload them to our website or mobile app. Here are the documents that you may require while filing a scooter insurance claim.

  • FIR or First Information Report (if required)

  • Scooter’s Registration Certificate (RC)

  • Driving Licence (DL) of the rider

  • Copy of the insurance policy

  • Pictures of the damaged scooter

  • Original repair bills, cash receipts, etc. (reimbursement claims)

Scooter Own Damage (OD) claim process

Own Damage (OD) cover is a type of vehicle insurance plan that covers damages or losses to your vehicle. That is the reason why it is called the Own Damage cover. In case your scooter is damaged due to an accident, natural or man-made calamities or fire, or in case of vehicle theft, then you can raise a claim against the Own Damage cover. 

You can refer to the steps mentioned above to raise a claim against your policy for accidental damages to your scooter.

Scooter theft claim process

In case your scooty is stolen and the police have issued a non-traceable report, then you can raise your claim against your policy. Here are the steps to file a claim in case of scooter theft.

  • Step 1: File an FIR at the local police station and inform ACKO.

  • Step 2: Submit a scanned copy of your scooter’s registration certificate, your driving licence, along with the FIR.

  • Step 3: If the concerned police issue a non-traceable certificate, ACKO will settle the claim as per the terms and conditions of your policy.

Please remember to inform ACKO as soon as you find out that your scooter has been stolen for a smoother claim process.

Scooter insurance claim rules

Here are some important points that you need to keep in mind while filing your scooty insurance claim.

  • Inform ACKO immediately to avoid rejection of the claim.

  • Ensure you have enough evidence about the damages to your vehicle.

  • Make sure the policy is active and valid for raising claims.

  • Have valid documents (DL, RC, etc.).

  • Follow road safety rules to avoid rejection of your claim.

  • Do not repair your scooter before informing ACKO of the damage/loss.

  • Inform ACKO about modifications to the scooter for a smoother claim process.

  • Be honest and don’t hide facts.

In a nutshell

Your claim can be rejected if you do not follow the steps mentioned above. So, ensure that you obtain all the required information about the procedure, documents and follow other necessary rules before raising your claim.

Frequently asked questions

Here are some of the common queries about scooter insurance claims.

Does insurance cover scooter damage?


Yes, provided you have insured your scooter with the Comprehensive Bike Insurance plan. The Comprehensive Plan includes coverage for third-party liabilities and damages to your scooter.

Do I need insurance for my electric scooter?


Yes, electric scooters must be insured with the Third-party Two-Wheeler Insurance plan to ply on Indian roads. Failure to do so will result in penalties as per The Motor Vehicles Act, 1988.

Is there a limit to the number of scooter insurance claims I can raise during the policy period?


No, there is no limit to the number of times you can raise a claim. You can raise your claim up to the sum insured amount stated in the policy. However, raising claims for minor damages will mitigate the No Claim Bonus (NCB) you have received so far.

What is the importance of add-on covers in scooter claim settlement?


You can purchase the add-ons with the Comprehensive policy. They enhance the primary plan’s coverage. The most common add-on covers are Zero Depreciation Cover, Personal Belongings - Damage/Theft Cover, Consumables Cover, Engine Protect Cover, and Roadside Assistance Cover. Add-ons reduce your out-of-pocket expenses at the time of claim settlement.

When should I not raise a claim against my scooter insurance policy?


If the No Claim Bonus (NCB) for bike  is higher than the claim amount or if the deductible amount is more than the repair cost, you should avoid raising a claim.

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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