Filing a two-wheeler insurance claim should be simple - but one wrong step can lead to rejection or delay.
Thousands of riders in Hyderabad, Telangana lose legitimate claims every year due to missing documents, late intimation, or minor technical errors.
The good news? Most rejections are preventable.
This guide lists the most common bike insurance claim mistakes and explains exactly how to avoid them. Whether you’re filing for an accident, theft, or damage, these simple tips will help you get faster approvals and protect your No Claim Bonus (NCB) from being wasted.
Why Claim Rejections Happen
| Reason |
What It Means |
Impact |
| Late claim intimation |
Claim reported after 48-72 hours |
Rejection due to delay |
| Invalid license |
Driver didn’t hold valid DL at time of incident |
Claim void |
| Policy lapse |
Accident occurred after expiry |
Claim rejected |
| Unapproved repair |
Bike repaired before inspection |
Claim invalid |
| Wrong details |
Incorrect vehicle/accident info |
Delayed or denied claim |
| Missing FIR |
Required for theft or third-party injury |
Claim delayed or closed |
Top 10 Mistakes That Lead to Claim Rejection
1. Late Intimation to Insurer
Always inform your insurer within 24-48 hours of the incident. Delay beyond this can cause claim denial.
2. Repairing Before Inspection
Never start repairs before the insurer’s surveyor checks your bike or approves photo/video evidence.
3. No FIR for Theft or Injury
An FIR is mandatory for theft or third-party injury claims. Without it, insurers can’t process payment.
4. Riding Without a Valid License
If the rider didn’t hold a valid two-wheeler license, the claim is automatically voided under all insurer policies.
5. Expired or Lapsed Policy
If your policy was inactive at the time of accident, the insurer has no liability. Renew early to prevent this.
6. False Information or Misreporting
Giving incorrect accident details, time, or driver information can lead to investigation and rejection.
7. Unauthorized Modifications
Engine or performance modifications not declared in the policy may void coverage during claims.
8. Wrong Coverage Type
If you only have third-party cover, own-damage repairs won’t be paid. Always confirm your coverage scope.
9. Claiming for Wear and Tear
Regular wear and tear, oil change, or maintenance are not claimable - even under comprehensive cover.
10. Duplicate or Inflated Bills
Submitting false or exaggerated invoices can lead to permanent blacklisting from all insurers.
How to File Claims the Right Way
- Report incident immediately (via app, helpline, or PolicyBachat).
- Keep photos, videos, and witness details ready.
- File FIR (for theft or third-party injury).
- Wait for inspection approval before repair.
- Use network garages for cashless service.
- Submit all required documents promptly.
- Track claim status regularly till closure.
Documents Required
| Document |
Purpose |
| Policy Copy |
Proof of coverage |
| RC Book |
Vehicle verification |
| Driving License |
Driver verification |
| FIR (if applicable) |
Legal requirement for theft/TP cases |
| Claim Form |
Formal claim request |
| Photos/Videos |
Evidence of damage |
| Garage Estimate |
Repair cost proof |
Local Insights for Hyderabad
- Top claim rejection reason: Incomplete documents (e.g., delayed reporting).
- Average approval time: 7 days.
- % of rejected claims avoidable: 38%.
- Top insurers with best claim support: HDFC ERGO, ICICI Lombard, Bajaj Allianz.
How to Ensure Claim Approval
- Always carry digital policy (DigiLocker/mParivahan).
- Intimate insurer even for small incidents.
- Keep RC and DL valid and updated.
- Renew policy before expiry date.
- Choose Zero Dep and RSA add-ons to avoid disputes.
- Use PolicyBachat’s claim tracking dashboard for updates.
How PolicyBachat Helps You Get Claims Approved
- One-click claim registration online.
- Photo/video upload directly from mobile.
- Automatic claim tracking and status alerts.
- 24×7 claim assistance across all major insurers.
- Expert help for rejected or disputed claims.
FAQs
Why was my bike insurance claim rejected?
Common causes include policy expiry, invalid license, or late claim intimation.
Can I reapply after claim rejection?
Only if rejection was due to missing documents or correctable errors.
Is FIR mandatory for all claims?
No, only for theft or third-party injury.
How long do I have to file a claim?
24-48 hours after the incident.
Does claim affect next year’s premium?
Yes, NCB resets to 0%.
Can I appeal a claim rejection?
Yes, through insurer grievance cell or IRDAI ombudsman.
What if insurer delays my claim?
Escalate through PolicyBachat or IRDAI.
Can I repair my bike anywhere?
Cashless only at network garages; reimbursement for others.
What if the accident was my fault?
Comprehensive policy still covers own-damage repair.
Can I claim for minor scratches?
Yes, but better to skip and keep NCB.
Does add-on coverage prevent rejection?
Yes, add-ons like NCB Protect or Zero Dep help avoid disputes.
Can electric bikes file the same claim way?
Yes, identical process with battery-specific add-ons.
Does modified exhaust or design affect claims?
Yes, if not declared in policy.
Can I track claim online?
Yes, on PolicyBachat dashboard or insurer portal.
What if my claim is partially approved?
You’ll receive payment for approved items only - clarify before repair.
Customer Reviews
- “This article helped me avoid rejection - got claim approved easily.” - Ravi K., Mumbai
- “Filed correctly this time, and insurer paid within 3 days.” - Sneha D., Delhi
- “Didn’t realize late reporting mattered so much - lesson learned.” - Arjun M., Chennai
- “PolicyBachat team guided me during claim - 100% approval.” - Kavita R., Pune
- “FIR and photos saved my theft claim - thank you!” - Vikram T., Hyderabad
- “Now I always report accidents within 24 hours - no more issues.” - Priya S., Bengaluru
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