How to file an insurance claim for a cyclone-damaged bike? A step-by-step guide
Cyclones are an unfortunate yet common occurrence in some parts, especially along coastal regions. These powerful storms can cause widespread destruction, including damage to personal vehicles and property. If your bike was damaged due to a recent cyclone, here is a comprehensive guide to filing an insurance claim.
Most banks and non-banking financial institutions offer bike insurance policies. The two main types are third-party insurance and comprehensive insurance. Third-party only covers liability towards other parties but not your own bike. Comprehensive insurance provides coverage for damage to your vehicle as well. It is advisable to have a comprehensive policy for maximum protection.
Policies have an add-on natural calamity extension that covers damage due to cyclones, floods, earthquakes etc. Check your policy documents to confirm you have purchased this essential extension for cyclone coverage. Policies may have an excess amount that is deducted from each claim as per terms. Familiarise yourself well with your policy coverage and conditions.
The first step after a cyclone damages your bike is to contact your insurance company immediately. Have your policy number and other details ready when you call. Report the incident, location, and nature of damage briefly. Ask for the next steps to lodge a formal claim.
You will need to submit certain documents as proof of ownership and damage. Collect your bike's registration certificate (RC), valid driving licence, and recent photos clearly showing the damage. Obtain a repair estimate from an authorised service centre. News reports or weather warnings about the cyclone can help establish the loss was storm-related.
The insurer will appoint a licensed surveyor to assess the
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