Is a Two-Wheeler Inspection Mandatory for Claims?
A two-wheeler inspection is carried out by the policy provider to ensure that the claims made by the policyholder are accurate. Find out if this is mandatory in case of all claims.
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Having an insurance policy for your two-wheeler is very essential as it provides protection for your two-wheeler from various unforeseen contingencies. To avail of the benefits from an insurance policy, you must make a claim from it. It is important to know your policy well so that you can get a hassle-free claim settlement. A two-wheeler inspection is a part of the claim process. Read on to find out whether the two-wheeler inspection is mandatory for claims.
What Is a Two-Wheeler Inspection?
Before launching into whether it is mandatory or not, you must understand what a two-wheeler inspection is. A two-wheeler inspection is an evaluation process that is carried by the insurance provider. The inspection includes clarifying what has been intimated through the claim, whether the two-wheeler complies with the necessary rules and regulations that have been set upon vehicles by the government, and any other damages are done.
It is a thorough process and the designated inspector gives all minute details to the insurance policy provider as per requirement. The Insurance Regulatory and Development Authority of India (IRDA) has permitted all registered and authorised insurance companies to carry out inspections while fulfilling claims while renewing old policies and when new ones are purchased.
Is a Two-Wheeler Inspection Mandatory for Claims?
A two-wheeler inspection is required under the following circumstances -
When Filing a Claim
A two-wheeler inspection is necessary when you file a claim with your policy provider over any damages sustained by your two-wheeler. The evaluation is done to ensure that the insurance company has been given the correct information. Make sure you have provided the right information regarding the damages for a hassle-free claim process.
Renewal of a Lapsed Two-Wheeler Insurance Policy
All insurance policies have a certain validity after which, they need to be renewed if you want to continue them. There is a certain expiration date within which the renewal policy must be carried out, following which, it is declared as lapsed. If you want to renew your two-wheeler insurance policy after it has lapsed, your two-wheeler will be faced with an inspection.
Switching the Type of Two-Wheeler Insurance Plan
There are many different types of insurance policies that are available for two-wheelers. Switching from one insurance policy to another is possible but an inspection is carried out by the insurance company. This is particularly done if you make a switch from a third-party two-wheeler insurance policy to a comprehensive two-wheeler insurance policy.
Importance of Accurate Information
A two-wheeler inspection is a thorough process that looks at all the components of your two-wheeler. The inspector tallies it with the information and documents that you have provided to your insurance provider. Therefore, if there are any lies or misinformation, it will inevitably be caught. This can lead to severe penalties and delays in claims. If there is any change in information, it is important to let your insurance provider know. This can be done through the endorsement process.
Take Away
The inspection process is usually carried out for free by the insurance provider or a small charge is levied. Self-inspection is also possible, in which case the necessary photographs of your two-wheeler have to be clicked and sent to the insurance provider. Nevertheless, it is always better to contact the insurance provider to know the exact details of the inspection process to avoid making mistakes.
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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
