Bike Insurance Claim Documents List India
Two wheeler – insurance claims in India, the required documents are largely standard across insurers (Bajaj, HDFC Ergo, TATA AIG, etc.), with variations based on the type of claim (accident/own damage, theft, fire, or third-party)
Common Documents for Most Claims (Accident / Own Damage)
Keep these ready:
- Duly filled and signed claim form (available from your insurer’s website/app or office).
- Copy of the insurance policy / cover note.
- Copy of the bike’s Registration Certificate (RC).
- Copy of the valid Driving Licence of the person riding at the time of the incident.
- Photos or videos of the damage (and accident scene if possible).
- Repair estimate from the garage + original repair bills and payment receipts (especially for reimbursement claims).
- FIR copy (required if third-party injury/property damage, major accident, or as directed by the insurer).
- Road tax receipt (original may be needed for verification).
- Bank details / NEFT form (for claim settlement).
- ID/address proof of the policyholder (sometimes requested).
Additional Documents for Theft Claims
- Original insurance policy document.
- Original RC + tax payment receipt.
- FIR + Final Investigation Report / No Trace Report from police.
- Theft endorsement / declaration from the concerned RTO stating the vehicle is “Off the Road / Non-Use”.
- All sets of keys, service booklets, and warranty card.
- Previous insurance details (if any).
- Forms 28, 29, 30 (and Form 35 if financed) signed as applicable.
- Acknowledged copy of the letter to the RTO intimating the theft.
- NOC from the financier (if the bike is under hypothecation) and related consent letters.
Additional Documents for Fire Claims
All common documents above.
Photos/videos of the incident.
Fire Brigade report (if available).
FIR (if required)
Tips for a Smooth Claim
- Intimate your insurer immediately (within 24–48 hours) via app, website, helpline, or WhatsApp. Note the claim registration number.
- Do not start major repairs before the surveyor inspects the bike (except in emergencies or as advised).
- Prefer cashless claims at network/authorized garages for faster settlement; reimbursement claims require original bills.
- For Honda-specific policies (e.g., via Bajaj or HDFC Ergo), digital uploads of RC, DL, photos, and claim form are often supported.
- If the bike is financed, coordinate with the lender early.
- Keep originals ready for verification even if you submit copies/scans.
Exact requirements can vary slightly by insurer and policy terms, so confirm with your specific insurance company (check the policy document or contact their claims helpline). Always report theft or third-party incidents to the police promptly.