Tata AIG Bike Insurance Claim
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Tata AIG Bike Insurance Claim
Tata AIG bike insurance has assisted thousands of people to drive their bike without any worries. It has an impressive claim settlement ratio of 90.49% in FY 2019-2020 which itself reflects its efficiency in settling the claim seamlessly. Tata AIG bike insurance provides protection against all the uncertainties of life. It has developed an active customer service team that provides support as needed. In fact, it has digitised the claim procedure to save policyholders time. This article illustrates how to settle a claim to make it easier for policyholders.
List of Documents Required During Claim Settlement
Following documents are required at the time of settling a bike insurance claim:
- Duly filled and signed claim form
- Self-attested copy of Registration Certificate (RC)
- Driving license of the person driving at the time of the accident
- Policy copy
- Original repair estimate, repair invoice and payment receipt for non-cashless claims
- Original repair invoice for cashless claims.
How to Make Tata AIG Cashless Bike Insurance Claim?
TATA AIG provides free repair and replacement of the insured’s bike in its network garages. To save the expense of damage to insured’s bike, these are the simple steps that you should follow.
Step 1: Contact the insurer
It is necessary to inform the insurer immediately after the incident, be it theft, accident or any damage to the bike. You can initiate the process by calling their toll-free number 1800 119966 or by sending the SMS “CLAIMS” to 5616181. In case of an accident, note down the number of the other vehicle. Collecting the details of the witnesses can help in the claim settlement process.
Step 2: Register Claim
Within 48 hours of receiving information, the claim representative of the company calls the policyholder. You must inform him of the incident, as well as your personal information and other relevant details.The representative guides you through the procedure. You have to download the claim form and fill up the details as well.
Step 3: Survey of Damages
A surveyor is sent by the insurance company to assess the extent of the damages caused to the bike during the accident. You have to hand over the documents and duly-filled claim form to the surveyor.
Step 4: Claim Settlement
After considering all factors, the insurer confirms its duty and pays for all expenses involved with the insured's bike repair at a network garage. The deductibles and depreciation are factored into the claim amount.
How To Make Tata AIG Reimbursement Bike Insurance Claim?
TATA AIG policyholders have the option of being paid for the cost of repairing the bike of the insured in a garage other than a network garage.The policyholder can undergo the reimbursement by following the simple steps mentioned below.
Step 1: Contact TATA AIG General Insurance
Informing the insurer about the accident/ theft of the insured’s bike marks the first step to initiate the process. You can contact TATA AIG by dialling their toll-free number 1800 119966 or by texting “CLAIMS” to 5616181.
Step 2: Register A Claim and Get Claim Reference Number
The executive of the insurance company reverts back to you within 48 hours. You have to inform the executive about the policy number and details about the accident. The executive informs you about the procedure and makes an assessment of the cost of repair.
Step 3: Survey of the Damages Incurred
Before the bike is sent for repairs, the company sends a surveyor to examine its condition. After determining the extent of the damage, you must complete the claim form and submit it to the surveyor with the required documentation and proof.
Step 4: Repair and Reimbursement
You can now send the bike to the garage of your choice. You must pay for the garage after the repair is completed. These bills and receipts, along with policy documents and a certificate of registration, must be given to the insurer in order to file a reimbursement claim.The company verifies the details and finally disburses the claim amount after taking into consideration all the deductibles and depreciation
Common Tata AIG Bike Insurance Claim Rejection Reasons
Tata AIG put forward certain conditions that the policyholders should fulfil in order to settle the claims. The claim is rejected by the insurance company under the following conditions.
- Act of negligence
- Driving without license
- Misinterpretation of facts
- Registration of a fraud Claim
- Claiming wrong coverage amount
- Improper functioning of the vehicle parts
- Lack of details required to process the claim
- Delay in intimation about the mishap to the insurer.
Tata AIG No Claim Bonus
When you purchase an own-damage cover with Tata AIG for your two-wheeler you are eligible for a No Claim Bonus. The NCB is a token gesture that is given to the policyholder by the insurance company for every claim-free year.It is cumulative in nature and rises to 50% in the fifth consecutive year; this is also the maximum amount of NCB that the policyholder can receive from the policyholder. The NCB, on the other hand, is easily canceled; even the simplest claim can deactivate the NCB of the insurance. Hence, it is advised that the policyholder avoids filing for a two-wheeler claim in case of minor damage.
To keep the No Claim Bonus intact, the customer must renew the two-wheeler insurance on a constant basis. If the NCB is not renewed in a timely manner, it will become invalid. Insurance companies provide a grace period of 90 days from the date of expiry to avoid such losses.But any further delays after this date leads to the cancellation of the policy and the accumulated NCB along with it. The NCB also has additional benefits, in that it can be transferred. If you choose to shift to a different two-wheeler insurance provider or sell your bike to purchase another one the NCB is not lost.
Explore Tata Aig Bike Insurance
Must Read Articles before buying Tata Aig Bike Insurance
- Want to get for a duplicate two wheeler insurance copy online? Check out the complete steps to get duplicate insurance copy online instantly. Read now
- Read this article to know about the documents required for Tata AIG bike insurance policy renewal.
- Purchasing insurance for your two-wheeler is important and simple. Read this article to know about TATA AIG two-wheeler insurance.
- Read this article to understand the benefits of purchasing long term bike insurance at TATA AIG.
- All about depreciation shield in two-wheeler insurance explained. It is one of the most popular add-on covers in two-wheeler insurance. Know more.
Tata AIG Bike Insurance User Reviews
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- Cashless Garages
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Tata AIG Bike Insurance Claim FAQs
Q1.You can check the status of your claim on the official website of TATA AIG. 1.Open the official website 2.Click on “Claim” option 3.Fill in the claim registration number and the policy number. 4.Click on “ Proceed” 5.The status of your claim will be shown.
Is it necessary to submit a copy of an F.I.R. when filing a claim?Yes, in the case of bodily injury or theft, you must present a copy of your F.I.R. in order to collect your insurance.
In the claim process, what role does the surveyor play?When you file a claim, the insurance company sends a surveyor to conduct an inspection in order to determine the extent of damage to your bike and other vehicles (if applicable). The surveyor's report is submitted to the insurance provider for further processing.
Do I need to bring my driving licence with me when I apply for Tata AIG bike insurance?Yes, you must have your driving licence with you while applying for Tata AIG bike insurance. You should make sure of the validity of the driving licence.
In the case of an accident, when should I contact Tata AIG?Directly after the accident, you should contact Tata AIG. Within 24 hours after the accident, you must inform your insurance company.
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