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.

Choose from India’s top insurers

Other Motor Insurance Products

Latest Post

In India, we have several types of insurance, and it often becomes difficult to analyse which one to buy and how they are different from each other. One can also choose a government-aided life insurance plan from LIC or post offices. But who is eligible to buy these policies, and what are the main features of a LIC and PLI plan? What is the PLI eligibility, and what are its interest rates, as compared to a LIC plan? To get the right answers to all such queries and much more, we suggest you go through a detailed PLI vs LIC in this post. We will also talk about the different plans and features of LIC and PLI plans, so stay tuned!

See nowSee now

With increasing healthcare costs, keeping your child healthy has become more important. Health Insurance for kids provides easy access to online medical treatment for children without putting any financial strain on the family. Health insurance coverage for children should also assist with preventive checkups and emergencies. It gives you peace of mind and helps keep things within the budgeted standard.

 

See nowSee now

Term insurance is an important investment. However, with the availability of so many insurers offering term plans, it becomes difficult to select the best term plan to suit your needs. Buying a term plan needs some consideration and research on the part of the policyholder. In this post, let us discuss the best term insurance providers in India.

See nowSee now

At the onset of the new financial year, many things must be remembered, including the ITR filing date. As you know, the last date for filing ITR for FY 2024-25 (AY 2025-26) without paying any late fee is July 31, 2025.

See nowSee now

Fixed Deposits (FDs) are one of the safest ways to grow your savings. HDFC Bank offers attractive FD interest rates, allowing you to earn guaranteed returns on your investment. But before you invest, it's important to know how much interest you will earn and what your final maturity amount will be.  

See nowSee now