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Claim Settlement for Scooty: It is not as difficult as you think!

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Published on June 15, 2021. EST READ TIME: 3 minutes

When scooters are passé and bikes too incompatible, a scooty is a good option to zip through the narrow lanes of cities, towns and villages. But, each road presents its unpredictability – a looming threat of road accidents and unforeseen damages such as theft or fires. Thus, it is advisable to get a scooter insurance policy to protect the finances if the two-wheeler meets with an accident and needs repair.

While many policyholders may just insure their vehicle with third-party liability cover to remain on the right side of the law, it is recommended to purchase a comprehensive policy to benefit at the time of claim settlement (if the need arises, of course!). Should this nightmare ever come to pass, we don't want you struggling with claim rejection, and thus, in this article, we explain the various types of claims and their processes.

How can you claim bike insurance?

When it comes to scooter insurance, the policyholder can choose between a cashless claim and a reimbursement claim.

Cashless Claim Process: In a cashless facility, you have to pay only the deductibles, and the insurer pays the rest of the amount. But, you have to take your vehicle to one of the insurance provider's network garages.

Reimbursement Claims Process: In a reimbursement claim, you have to pay for the expenses, and the insurer reimburses the amount after verifying the original bills, receipts, etc. In this case, you can get your bike repaired at your preferred garage.

In either of the above claim processes you opt for, an insurance company follows a standard procedure to settle claim request raised by you. The following are the general steps involved in claim settlement:

• Initiate the claim- Notify your insurance company about your two-wheeler accident. You can either give the customer care number a call or head to the official website to inform the insurer. The insurer will then register the bike insurance claim and provide a reference number.

• Assessment of damage- The insurance company will assign a surveyor who will assess the loss or damage sustained by your scooter. The surveyor may visit the accident location or send you a link on the registered mobile number to do a self-inspection.

• Towing and repairs- Following the inspection, you need to get your scooter towed to the nearest garage for repairs. In case of a cashless claim, you should take your vehicle to a network garage. Remember that towing fees may vary from one insurer to the next.

• Claim settlement- In case of a cashless claim, the insurer will directly transfer funds to the garage owner's account. If you have opted for a reimbursement claim, you need to pay from your pocket first. Later, after considering all deductibles, the insurer will reimburse that amount.

How to claim scooty insurance in case of an accident?

Documents required:

• Policy document copy

• FIR copy

• Registration Certificate copy

• Original bills of the scooter repair

• Evidence of the accident

Filing Process:

• Right after your scooter gets involved in an accident, notify your insurer.

• In the event of an accident, file a police report at the nearest station. When submitting a claim, the insurer will request a copy of the FIR.

• Gather evidence of the mishap. As evidence, you can snap a photo or video. You should also write down the contact information of every person who has witnessed the accident.

• The next step involves the submission of documents. Policyholders need to submit the above-mentioned documents to get their claim settled. The insurer may also request any other documentation if they feel it is necessary.

• After document submission, the insurer will send a surveyor. The surveyor will assess the loss or damage sustained by your vehicle. They might also ask you questions regarding the accident. The insurer can reject your claim if there are any irregularities discovered during the verification process.

• If the surveyor approves your claim, you can send your scooter for repair. If you have availed of a cashless reimbursement, you need to send the scooter to a network garage.

How to claim scooty insurance in case of theft?

Documents required:

• Policy document copy

• FIR copy

• Registration Certificate copy

• Transfer papers from RTO

• Form of claim settlement duly filled and signed

• Driving License

• Original keys of the bike

Filing Process:

• File an FIR at the nearest police station as soon as your scooter is stolen. This step is mandatory since the insurer will require an FIR copy before proceeding with your claim.

• Notify your insurance provider at the earliest. They might have their procedure, which may include assigning a Claims Inspector to investigate the issue.

• Inform the nearest RTO centre about the scooty theft. The documentation process must follow RTO guidelines.

• Complete the documentation process once you have the reports from the police authorities and the RTO. You may have to submit some additional documents, but this may vary from insurer to insurer.

• Submit an untraceable report if the scooter cannot be traced for more than a month. The insurance provider will view the same as proof that the vehicle cannot be located, and the claim will be settled.

Key Takeaway:

Any insurance provider can reject your claim request regardless of how much coverage you have under an insurance policy for scooty if you do not follow the above-mentioned procedure. So, before filing a claim, you should obtain thorough information about the required documents and other necessary rules before proceeding.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

This blog has been written by:

Mukesh Kumar | Motor Insurance Expert | 36+ years of experience in insurance industry

A veteran in the insurance industry, Mukesh Kumar has the expertise of handling various functions like Business Development, Underwriting, Claims, Human Resources, Quality Management and Marketing. With rich knowledge of the industry, he loves to share his views on topics of insurance sector and takes special interest in educating people on advantages of having insurance

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Few Other Articles:

• Repair first, pay later: Let cashless bike insurance take away your repair woes!

• Tired of Insurance Claims Being Rejected? Us Too! Top Reasons to Watch Out For.

• Two-wheeler Insurance Claims: Your Ultimate Guide to Own-Damage Claim Settlement

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