Essential Bike Insurance Documents

There are several bike insurance documents that you are required to buy or renew the insurance, file a claim, or change your insurer. Since bikes are constantly exposed to risks like accidents and theft, a bike insurance can act as a safety net and save you from heavy financial liabilities. 

 

If you purchase a comprehensive bike insurance plan, you can deal with financial losses incurred due to any unforeseen mishap. It will cover third-party loss, own damage, and much more. Read more to find the detailed list of documents required for these processes.

To successfully renew your plan, here are the documents required for two-wheeler insurance renewal. 

 

• Policyholder’s details, such as name, age, address, gender, etc.

• Registration Certificate (RC)

• Driving licence

• Existing or expired bike insurance policy number

If you want to switch to a new insurance provider from your existing insurer, you must submit the following documents:

 

• Proof of identity (PAN card, Aadhaar card, driving licence, or passport) 

• Proof of address (PAN card, Aadhaar card, driving licence, passport, Ration card, or Voter’s ID)

• Passport-size photo

• Driving licence

• Bike Registration Certificate (RC)

• Expired or existing two-wheeler insurance policy number

Based on the bike insurance claim type, the documents required can be different in case of an accident, theft, or third-party damage. You can keep the below-mentioned bike insurance claim documents ready while filing an insurance claim.

 

Following are the documents you need in order to properly carry out a two-wheeler insurance accident claim:

 

• Duly signed and filled claim settlement form

• Copy of two-wheeler insurance policy

• Copy of Registration Certificate (RC) of your bike

• Copy of FIR in case of a major accident

• Copy of Driver's Licence

• Original tax receipt

• Original invoice of repair and payment slip in case of reimbursement claim

• Original invoice of repair for cashless claim

You will need the following documents for a two-wheeler insurance theft claim.

 

• Duly signed and filled claim settlement form

• Copy of two-wheeler insurance policy

• Copy of Registration Certificate (RC) of your bike

• Original copy of FIR 

• Copy of driver's licence

• Original tax receipt

• No trace report for the stolen vehicle issued by the police

• Theft declaration from the concerned Regional Transport Office (RTO)

• Form 28, Form 29, Form 30, and 35

• Bike keys and warranty card

In order to claim third-party bike insurance, you will need the following documents.

 

• Duly signed and filled claim settlement form

• Copy of two-wheeler insurance policy

• Copy of Registration Certificate (RC) of your bike

• FIR in case of major accident or theft

• Copy of driver's licence

While it may be common to misplace or lose your bike insurance papers, it isn’t recommended to drive your vehicle without them. Let’s understand the steps you should follow in case you lose your bike insurance policy documents:

 

• Intimate Your Insurance Provider

 

Inform your insurance company regarding the lost bike insurance documents as soon as possible. The insurer will assist you with the process to receive the duplicate policy documents.

 

• File an FIR

 

You must file a First Information Report (FIR) at the nearest police station regarding the loss of your insurance documents. In addition, you must submit your two-wheeler insurance details such as your policy number, type of bike insurance, and the name of the insurance company.

 

• Submit an Application

 

Apart from intimating your insurance company, you need to submit a written application to request for a duplicate copy of bike insurance. Mention your bike insurance details such as the policy number, type of insurance plan, your name, etc. You can also attach the FIR and submit the application. 

 

• Publish an Advertisement

 

You can publish an advertisement in the local newspapers featuring your name, contact number, two-wheeler policy number, and registration number.

 

• Sign an Indemnity Bond

 

The last step is to sign an indemnity bond on non-judicial stamp papers to obtain a two-wheeler insurance duplicate copy. Make sure to check if the bond has mentioned your full name. The indemnity bond can be submitted to the insurance company along with the signatures of two witnesses.