Accidents and breakdowns can happen anytime - but claiming your two-wheeler insurance doesn’t have to be stressful.
Whether your bike is damaged, stolen, or involved in an accident, knowing the correct claim process ensures you get a fast and fair settlement.
This step-by-step guide explains how to file a cashless bike insurance claim through PolicyBachat or directly with your insurer, what documents you’ll need, and how to avoid common mistakes that delay payouts.
In Hyderabad, Telangana, most insurers now offer digital claim initiation, video inspections, and real-time claim tracking - making the process faster than ever.
Types Of Two-Wheeler Insurance Claims
| Type |
Description |
Who Pays? |
| Cashless Claim |
Repairs done at a network garage; insurer pays directly. |
Insurer covers approved costs. |
| Reimbursement Claim |
You pay upfront; insurer reimburses later. |
You pay first, then claim refund. |
| Theft Claim |
Filed when your bike is stolen and not recovered. |
Insurer pays IDV after police report verification. |
Step-By-Step: How To File a Cashless Claim
1. Inform the Insurer Immediately
- Call the insurer’s helpline or log in to PolicyBachat dashboard.
- Share details: policy number, bike number, date, location, and nature of damage.
- You’ll receive a claim reference number for tracking.
- Delay beyond 48 hours can cause claim rejection.
2. Take Photos and Record Details
- Capture clear photos of damaged areas and surroundings.
- Note down details of third-party vehicles (if any).
- Get eyewitness information if available.
- Do not move the bike until the surveyor inspects it.
3. File FIR (if required)
- Mandatory for: theft, third-party injury, or severe accident.
- Not needed for minor self-damage cases.
- Keep FIR copy safely - required for claim submission.
4. Survey and Inspection
- Insurer assigns a surveyor within 24 hours.
- For minor damages, inspection may be digital (photos/video upload).
- Repair estimate prepared jointly by surveyor and garage.
5. Choose Cashless Garage
- Tow or take your bike to an authorized network garage (covered by your insurer).
- PolicyBachat shows nearby network garages in Hyderabad.
- Cashless repair starts after claim approval.
6. Approval and Repair
- Insurer approves the repair estimate.
- Repairs completed within 2-4 days for minor cases.
- You pay only the deductible or excluded items (consumables, if not covered).
7. Claim Settlement and Delivery
- Insurer pays garage directly for approved claim amount.
- Collect your repaired bike, invoice, and satisfaction note.
- Keep all documents - required for NCB continuity at next renewal.
Theft Claim Process (Special Case)
- File FIR at the nearest police station.
- Inform your insurer within 24 hours.
- Provide RC, policy, keys, and FIR copy.
- Submit non-traceable certificate if police can’t recover bike.
- Insurer pays full IDV (after depreciation) as settlement.
Average theft claim settlement in Hyderabad: ₹45,000.
Documents Required
| Document |
Purpose |
| Insurance Policy Copy |
Proof of coverage |
| RC (Registration Certificate) |
Confirms ownership |
| Driving License |
Valid rider verification |
| Claim Form |
Filled and signed |
| FIR Copy |
For theft/third-party cases |
| Repair Estimate |
Issued by garage |
| Photos/Videos |
Damage verification |
Claim Timeline in Hyderabad
| Step |
Duration |
| Claim Intimation |
Within 24-48 hours |
| Survey/Inspection |
1 working day |
| Claim Approval |
1-2 days |
| Repair & Delivery |
2-5 days |
| Reimbursement (if applicable) |
3-7 days |
(Actual time varies by insurer and damage severity.)
Local Insights for Hyderabad
- Most common bike claim reason: Accident (e.g. accident, theft).
- Avg. cashless claim settlement: ₹18,500.
- Top insurers with fastest claims: HDFC ERGO, ICICI Lombard, Bajaj Allianz.
- Avg. approval time improvement (with AI): 32% faster.
How Policybachat Makes Claims Easy
- One-click digital claim intimation.
- Real-time claim tracking via dashboard.
- Access to 7,000+ cashless garages nationwide.
- Automatic document upload and verification.
- Dedicated claim support until closure.
Common Claim Mistakes to Avoid
- Not reporting claim within 48 hours.
- Starting repair before inspection.
- Filing incomplete claim forms.
- Ignoring FIR for theft/third-party cases.
- Providing inconsistent accident details.
- Not renewing policy before claim - lapses invalidate coverage.
FAQs
How long do I have to report a bike claim?
Within 24-48 hours of the incident.
What’s the difference between cashless and reimbursement claim?
Cashless = insurer pays the garage; reimbursement = you pay and claim a refund.
Do I need FIR for all accidents?
No, only for theft or third-party damage.
Can I claim for minor scratches?
Yes, but not advisable if your NCB is higher.
Can I choose any garage?
For cashless claims, use a network garage only.
Is there a limit on claim amount?
Based on your IDV and add-ons.
Can I file multiple claims in a year?
Yes, but NCB resets after any claim.
How can I track my claim status?
Through PolicyBachat or the insurer’s portal.
Does claim affect next year’s premium?
Yes, it resets NCB to zero.
What if my bike is total loss?
The insurer pays full IDV as settlement.
Can I claim for accessories?
Yes, if the accessories are insured.
Can I get cashless service outside Telangana?
Yes, at network garages nationwide.
Do electric bikes follow the same claim process?
Yes, with battery and charger coverage under EV add-ons.
Can I claim flood damage?
Yes, under a comprehensive policy.
What if the garage overcharges?
The insurer pays only the approved amount; verify before approval.
Customer Reviews
- “Filed my claim online - approval in 1 day.” - Ravi K., Pune
- “No paperwork, no stress. Cashless claim worked perfectly.” - Sneha D., Chennai
- “Surveyor came within hours - great experience.” - Arjun M., Hyderabad
- “Claim settled exactly as estimated.” - Vikram T., Bengaluru
- “Theft claim processed smoothly, full IDV paid.” - Kavita R., Mumbai
- “Fastest claim I’ve had - 100% digital.” - Priya S., Delhi