How to File or Claim Bike Insurance After Accident?

Most of us lend our bikes to our friends in case of an urgent requirement at their end. However, have you ever considered what happens to your bike insurance claim in case of an accident that takes place when your friend was driving the vehicle? How do you raise a claim in that case? Read on to know all about it in this post.

Does the Bike Insurance Policy Cover the Damages if the Bike is Driven by Another Person?
Fortunately, yes it does. Two-wheeler insurance policies in India cover any damages or losses suffered due to the bike when it is being driven by anyone apart from the owner. So, you are assured of the claim insurance after bike accident. But this coverage comes with a certain set of rules or, in other words, terms and conditions.
Terms and Conditions to Get Bike Accident Insurance Claim
If you remember these rules, you can rest assured of complete coverage from your two-wheeler insurance policy. Care to know about them?
Rule # 1 – Your Friend Must be Sober
If you don’t know, accidents or losses suffered when driving under the influence of alcohol or drugs are not covered by a two-wheeler insurance policy. As much as alcohol might be tempting, make sure your friend is sober when driving the bike. If he causes any accident and is found to be driving under the influence of alcohol, prepare to face the music. Your insurance policy would not pay a single dime in case of a bike insurance claim and you would be held financially responsible. Would you want that?
Rule # 2 – Your Friend Should Have a Valid Driving License
This is something that a child also knows. Drivers having a valid driving license are only permitted to drive a vehicle. Your friend borrowing your bike should have one. It should be your responsibility to check your friend’s driving license. After all, in an accident, lack of a driving license would shift the burden on you! So, allow your friend to drive your bike only if he/she has a valid driving license.
Rule # 3 – Your Friend Should not Take Your Bike Outside the Geographical Borders of India
Two-wheeler insurance policies cover accidents or damages suffered when the bike is driven in India. If your friend wishes to take the bike beyond the Indian borders, your policy would not pay for any damages faced. So, find out the destination your friend is wishing to drive your bike to. Make sure it is not to Nepal, Bhutan or anywhere beyond the Indian borders.
Share your bike with your friends. There is nothing stopping you. You do not have to worry about the applicability of your two-wheeler insurance policy. It covers damages faced whether driven by you or your friend. Just make sure to keep the above-mentioned pointers in mind and you would not be disappointed.

Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
Other Motor Insurance Products
Latest Post
.png)
We all know that a driving license (DL) is necessary to drive a vehicle on the road. The Motor Vehicle Act of 1988 makes it mandatory for individuals to have a DL for driving motor vehicles like bikes, cars, and commercial vehicles. Driving without a valid license can call for heavy penalties.
.png)
A guide on the different types of road tax that exist in India and the method of calculating road tax for citizens
The Government of India levies various types of taxes on its citizens for their overall well-being and comfort. Road tax is just one type of the many taxes levied on people in India. This blog gives a brief overview of road tax, its different types, and the method of calculating it.
.png)
If you have ever purchased a car insurance policy through an insurance agent, you will know that their claims of offering an all-inclusive plan never stays 100% true to their words. Most of the car insurance policies do not protect your car against the standard wear and tear. At times, even your current policy might prove inadequate to fulfill your insurance requirements on many instances. Thus, most such policies usually do not compensate you fully against the damages caused to your car in case of an accident.
For all such people who are dejected with the false claims of insurance agents or who are not happy with their present insurance policy offerings, the bumper to bumper car insurance policy is the solution to your problems. Though the comprehensive insurance policy is a good option for an inclusive car insurance, but if you are looking at extensive coverage you should go for the Bumper to Bumper insurance policy.
In this article, we will delve into the different aspects of bumper to bumper car insurance to enlighten you about its benefits, drawbacks, features, inclusions, exclusions and much more.
Let’s first start with knowing about the bumper to bumper insurance meaning.
.png)
While on the road, you are not sure what happens next. One slight mistake might lead to an accident. And when an accident strikes, be it a minor or a major one, it is likely to create a grave situation for the people involved.

Millions of tractors are manufactured in India every year. India is one of the largest tractor markets in the globe and many reputed tractor manufacturers in India are known globally for their advanced and robust tractors. Being an agricultural country, tractors are used all across India for different agricultural needs. Read this post to know the best tractor companies in India.