If you own a scooty you know that investing in a scooter insurance policy is a must. It does not just ensure legal compliance but it also safeguards your vehicle from the cost of repairing your scooty.
In case your vehicle meets with an accident, the repair expenses can be pricey. With the help of a two-wheeler insurance plan, you will receive compensation for the expenses you incur for repairing your scooter. Such coverage is available if you opt for a comprehensive motor insurance policy.
This article focuses on how you can file a scooty insurance claim, which will keep you prepared to claim two-wheeler insurance when necessary.
How to Claim Two-wheeler Insurance for Your Scooty?
Whether you own a scooty or bike insurance, there are two ways to claim insurance – reimbursement or cashless. These features come into use only when you claim for your own damage. If your bike insurance policy comes with cashless repairs you do not have to make payment for the repair work, and if your policy features reimbursement you will be reimbursed for the payment you make for the repair work.
Claim Process for Own Damage
While you may have a clear idea about how to do insurance of scooty online, claiming insurance for damage to your scooter requires you to follow a process. Here is how to claim insurance for scooty damage:
- Coverage for your scooty damage falls under either a standalone own-damage policy or a comprehensive motor plan.
- The first step in a scooty insurance claim process is to inform your insurer about the damage that your vehicle has sustained.
- In case of cashless cover, your insurance company will send their surveyor to make an assessment of how extensive the damage is. Meanwhile, you can take photos and videos of the incident to send to your insurer.
- After collecting the evidence for your scooty’s damage, you can take your scooty to a nearby service garage.
- The next step is filling out the claim form and submitting it to your insurance company.
- Following this, your insurer will either pay the network garage after the repair work is complete (cashless repair), or you have to make the payment for the repair work and claim reimbursement from your insurer after submitting all bills and receipts related to the repair cost.
Claim Process for Third-party Damage
- The first step in how to claim scooty insurance for third-party damage is filing an FIR.
- After this, you must inform your insurer about the accident.
- Now that your insurer is informed, you have to fill out your claim form and submit along with other important documents including the FIR copy.
- The next step in this type of scooty insurance claim is to wait for the Motor Accident Claims Tribunal to decide what amount of compensation needs to be paid to the third party.
- Generally, third-party insurance covers up to ₹7.5 lakhs for third-party property damage and the tribunal decides the compensation amount that has to be paid for injuries to the third party.
Claim Process for Theft
- If you want to know how to claim two-wheeler insurance in case of theft, the first step is to file an FIR.
- The second step for an insurance claim for scooty theft is submitting a copy of FIR, your scooty’s Registration Certificate and Driving Licence to your insurer.
- After this, you have to ask the police to provide you with a non-traceable certificate,which you have to submit to your insurer.
- Finally, your insurer will transfer the IDV set for the scooty when purchasing the policy, to you.
Conclusion
The above-mentioned guidelines will help you with your scooty claim insurance process. However, given a choice between comprehensive insurance and a third-party policy, it is highly recommended that you opt for the former to avail of extensive coverage under a single policy.
Frequently Asked Questions
- Can I claim insurance for scooty scratches?
Yes, it is possible to claim insurance for scratches on your scooty, provided you own a standalone own-damage or a comprehensive two-wheeler insurance policy. But this decision may not be the best in all cases.
- What documents are required to claim bike insurance?
Documents required to claim scooter/ bike insurance include Registration Certificate (RC) of the vehicle, FIR copy, copy of insurance policy, driving licence, evidence of damaged vehicle and original receipts and bills (in case of reimbursement).
- Does insurance cover scooter damage?
Yes, third-party insurance covers third-party property damage or injury, while a comprehensive two-wheeler plan provides coverage for damage to your own vehicle and protection from natural calamities, accidental damage and theft.
