| As per the Indian Motor Act, 2 wheeler insurance is | | | | repairs undertaken at a different garage and claim |
| mandatory in India by law, as with all other vehicles. | | | | reimbursement from the insurance company for the |
| In India, motorbikes and scooters are preferred | | | | same later on. |
| modes of transport since they are convenient to get | | | | To make a 2 wheeler insurance cashless claim, you |
| around, often managing to stay ahead of traffic jams | | | | need to: |
| around the city. With the increasing incidence of | | | | - · Note the registration number of the third party |
| accidents, it is important to make sure you posses a | | | | involved in the accident, if any |
| valid 2 wheeler insurance policy at all times. In addition | | | | - · Note down the names and address of witnesses, |
| to coverage, insurance companies also offer cashless | | | | if any |
| claims facilities, where you can have your vehicle | | | | - · Inform the insurance company of the accident |
| repaired at a garage listed on the insurance | | | | and seek help from the customer care |
| company's network without paying for the expenses | | | | representative on the garage to be contacted |
| upfront. | | | | - · File an FIR at the nearest police station and |
| There are two types of insurance plans available, | | | | obtain a copy of the report |
| namely third party insurance and comprehensive | | | | Once your claim is registered the insurance company |
| insurance. Those with a comprehensive 2 wheeler | | | | representative will contact you and ask you to |
| insurance policy are able to enjoy the benefits of | | | | submit the documents required to process the claim. |
| cashless claims. Third party insurance covers only the | | | | The insurance company's representative will get an |
| other person (third party) involved in an accident | | | | estimate for the cost of repairs and give his approval |
| against loss or damage caused by that accident. It | | | | after the assessment. |
| also covers the third party's medical and legal | | | | 2 wheeler insurance can be purchased online. It is |
| expenses. Comprehensive insurance on the other | | | | advisable to shop for the maximum cover possible. |
| hand provides cover to you and your vehicle. Your | | | | Although the premiums for comprehensive insurance |
| vehicle is protected from loss or damages due to | | | | are higher, the benefits far outweigh any cost |
| accident, theft, and natural disasters, while you are | | | | disadvantage. You can ask for free quotes and |
| covered for medical and legal expenses resulting from | | | | compare the rates, extent of cover, and additional |
| an accident. | | | | benefits of several 2 wheeler insurance providers |
| There may be times when you won't be able to avail | | | | prior to making a choice. Insurance provides you |
| of the cashless repair facility. Like for example in the | | | | with many benefits, which is why you should not to |
| event of a garage in the insurance provider's | | | | delay purchasing and renewing your 2 wheeler |
| network being unavailable in your area, you can have | | | | insurance policy. |