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Know How to Raise a Claim with A Temporary Vehicle Registration Number

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Published on July 11, 2023. EST READ TIME: 3 minutes

While getting involved in a road accident is always stressful, damaging your brand-new bike can make you feel miserable. And when your bike has a temporary vehicle registration number, you may wonder if the bike insurance would cover the damages. Well, fret not, we’ve got you covered. Read on to learn more about how to claim bike insurance with a temporary number.

First things first, bike insurance is mandatory for every motorised vehicle that moves on the roads. It is mandated by the Motor Vehicle Act, of 1988. So, before you take your brand-new bike out of the showroom, make sure it is well protected with a bike insurance policy. While purchasing the mandatory third party insurance cover is enough to save you from legal trouble and third-party liabilities, comprehensive bike insurance is more recommended.

Along with liability cover, it would cover the damages that are caused to your bike as well. With cashless repairs, your bike insurer would pay the repair bills directly to the network garage, saving you a lot of hassle.

Now, coming to the question of whether you can claim under bike insurance with a temporary vehicle registration number. Fortunately, you can. So, even before your bike gets its registration number, you can get coverage for it. Let us find out more about vehicle registration, why it is so important and how it affects the claim process.

What is a Vehicle Registration Number?

When a new vehicle is purchased, it is given a unique identification number. This number also called the licence number, is then put on the registration plate, better known as the number plate. While a dealer can issue a temporary number, it is the RTO, Regional Transport Office, that is the authority on the issuance of the permanent registration number. All kinds of vehicles, private as well as commercial, have to have a registration number.

Importance of Temporary Vehicle Registration Number

When you buy a vehicle, you may not be able to get a permanent registration right away. In such a scenario, your bike dealer would give you a temporary number so that you can drive your bike.

The temporary vehicle registration number is given to your car temporarily, till the time your bike does not get a permanent number. But despite its temporary nature, it is an important formality. The temporary number allows you to ride your bike on the road. Driving a vehicle without a registration number is illegal, and can put you in trouble.

The temporary number is valid for 30 days, and within this period, you would have to apply for a permanent number from the RTO. Make sure that once you receive permanent registration for your bike, you notify the insurance company about the same. The insurer will then update your insurance policy.

Note: If, for some reason, you are unable to get a permanent number, you will have to get an extension of the temporary number from the RTO.

Can You Raise Bike Insurance Claims with a Temporary Bike Registration Number?

Yes, even with a temporary vehicle registration number, you would be able to make a bike insurance claim, however, keep in mind that the damages to your bike would be covered only when you have comprehensive bike insurance . Third party insurance does not offer this kind of coverage.

Process of Raising Bike Insurance Claim with a Temporary Registration Number

The procedure of raising a claim for your bike with a temporary number is similar to a regular one. Here are the steps that you need to follow:

1. The first step you need to take is to inform your insurer. Try doing this as soon as possible. With HDFC ERGO, you can register your claim in a number of ways. At your convenience, you can call customer care or register the claim either on the website or our mobile app. The claim form can be filled out online or offline.

2. If the accident was a major one, you should seek medical aid at the earliest. If you are in a position to drive yourself, you should take your bike to the nearest network garage. You can also request a towing facility to take your bike to the garage. The repair can be carried out at a non-network garage also, however, here, you would have to pay the bill upfront.

3. At the garage, a surveyor from the company would inspect the damage. Once the claim is approved, the repair work will begin.

4. The claim procedure largely depends on the kind of garage you take your bike to.

• Network Garage

At a network garage, you would be able to avail the advantage of a cashless claim. Here the insurance company will clear the bill directly with the garage.

• Non-network garage

In a non-network garage, as discussed above, you’ll have to clear the bills yourself first. You can request reimbursement after the repair is complete. You would have to fill in the claim form and submit all the bills and receipts for the repair work.

At both kinds of garages, the company would pay for the covered expenses only. Uncovered expenses would be borne by you.

Conclusion

Getting a registration number and an insurance policy is your duty and responsibility as a bike owner. Make sure your paperwork is always up-to-date so that you can follow all the rules and do not get into any kind of legal trouble.

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

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