Most of us know that we can file a claim in case our bike gets damaged in an accident. But what to do if it gets damaged due to a natural calamity?
While a bike insurance plan covers accidental damage, it also provides cover against natural calamities. Read on to know more about it.
Mostly, a natural calamity occurs without warning. It can cause a lot of damage to your house and other assets. One such asset that can get severely damaged is your bike. Repairing it might require a lot of money. However, two-wheeler insurance can come to your rescue in such a situation.
Bike insurance provides various benefits to cover against natural calamities. In case of a natural disaster, the likelihood of your bike getting damaged is high. However, if you have two-wheeler insurance, then you can get financial assistance to repair your bike. With the help of a bike insurance plan, you can get protection against natural disasters such as cyclones, floods, earthquakes, storms, etc.
How to File a Claim in Case of a Natural Calamity
- If your bike gets damaged due to a natural disaster, you need to inform your insurance provider immediately. Make sure you have your policy number and bike registration details with you.
- Try to click detailed pictures of your bike, which explains the extent of the damage. Send these pictures to the insurance company.
- The insurer might appoint a surveyor to investigate the damages.
- After the investigation, the insurer will inform you if the claim is approved or rejected.
- If the claim is approved, then you can initiate the repair work.
- If you get your bike repaired at a network garage, then you can avail the cashless facility. As per this benefit, the expenses will be directly settled by the insurer.
- If you get your bike repaired at a non-network garage, then you will have to pay for the expenses first. The insurer will then reimburse the amount after you submit the documents like receipt of repairs done.
Reasons Why a Claim Can Get Rejected
A claim can get rejected due to multiple reasons. Here are some of the most common reasons that can lead to the rejection of a claim-
- If you provide false information, then the insurer will reject the claim.
- Your claim will be rejected if your bike insurance is inactive.
- You need to inform your insurer within the stipulated timeframe. If you don’t notify the insurer within that timeframe, your claim can get rejected.
- Your claim might get rejected in case you make any modifications to the bike without informing the insurer.
- If you repair your bike before inspection, then your claim can get rejected.
- If the surveyor suspects that you have intentionally damaged your bike, then the insurer might delay or reject your claim.
Insurance of bike provides a variety of benefits such as cover against accidental damages, protection against natural disasters, etc. By purchasing a two-wheeler insurance plan, you can protect yourself from the repair costs.