Documents Needed for Claim Settlement in HDFC ERGO

• Here are the documents you need for claim settlement based on different situations:

   

  For an Accident

  Original bike insurance policyFilled and signed claim formCopy of RC (Registration Certificate)Copy of Driving LicenseCopy of FIR (First Information Report)Original tax receiptsRepair cost estimateBills and payment receipts after the repair

   

  For Theft

  All documents required for accident claims'No Trace Report' from the police for the stolen bikeFilled and signed Forms 26, 28, 29, 30, and 35Original RC (Registration Certificate)Theft declaration from the RTO (Regional Transport Office)All sets of keys, warranty cards, and service booklet

   

  For Third-Party Claims

  Filled and signed claim formOriginal or copy of bike insurance policyCopy of RC (Registration Certificate)Copy of Driving LicenseCopy of FIR (First Information Report)

How to Make a Claim on Your HDFC ERGO Bike Insurance?

• Here’s how you can file claims for accidents and for damages caused by others (third-party claims) using your bike insurance.

   

  Accidental Claims

  To claim for accidents, follow these simple steps:Step 1: Call your insurance company to tell them about the accident and describe the damage to your bike.Step 2: If needed, report the accident to the police and file a First Information Report (FIR).Step 3: Take clear photos of the accident scene and the damage to your bike.Step 4: Give your insurance company important documents like your insurance policy, FIR, driving license, and bike’s registration certificate.Step 5: Take your bike to a garage to start repairs. Once your claim is approved, you’ll get paid back or get help paying for the repairs, depending on your policy.

   

  Third-Party Claims

  If someone else caused damage to your bike, do these steps to make a claim:Step 1: Take pictures of the damage.Step 2: Write down details about the other vehicle that caused the damage.Step 3: If you can, get contact details from people who saw the accident.Step 4: Call your insurance company for advice on what to do next.Step 5: Go to the police station and file an FIR.Step 6: Get legal help to take your case to the Motor Accident Claims Tribunal Court.Step 7: In court, show documents that prove the other party is at fault.Step 8: Get payment from the insurance of the person who caused the damage.

Why Your HDFC ERGO Bike Insurance Claim Might Be Denied

• Sometimes, an insurance claim for your bike might not be accepted. Here are some common reasons why this could happen:Driving Without a License or Under the Influence Driving without a valid license or while drunk or on drugs.Delay in Reporting the Accident Waiting too long to tell the insurance company about the accident.Lack of Details Not providing enough information needed to review your claim.Registration of a Fraud Claim Trying to claim money for a fake accident.Misinterpretation of Facts Giving wrong or misleading information.Act of Negligence Not being careful enough while driving.