Tata AIG Bike Insurance Claim
Tata AIG bike insurance has given thousands of bike owners the confidence to ride without worries. With an impressive Tata AIG bike insurance claim settlement ratio of 99% for the fiscal year 2022-2023, they ensure that almost all claims are resolved swiftly and favourably. Plus, with over 4,200 network garages across the country, you can easily find cashless repair services nearby.
Beyond just bike insurance, Tata AIG provides a safety net against life's uncertainties. Their responsive customer service team is always here to help you when you need it, and they’ve made the claims process quicker and more user-friendly by moving it online, saving you time and hassle.
How to File Tata AIG Bike Insurance Claim?
1Inform the Insurer and Register Your Claim
After an accident, make sure you’re safe and address any injuries. For theft, file a police report and obtain a No Trace Report. To start your claim, call their toll-free number 1800-266-7780 or text “CLAIMS” to 5616181.
2Get Your Vehicle Inspected
Use the Tata AIG bike insurance claim form on your smartphone to detail your bike’s damage. Additionally, they’ll send a surveyor to assess and report the damage.
3Choose Between Cashless Claims and Reimbursement
Use one of their many network garages for a cashless claim. If you use a non-network garage, you'll need to pay upfront and then apply for reimbursement.
4Collect and Keep All Critical Claims Documents Ready
Gather all necessary documents for your claim.
5Get the Claim Registration Number
After filing your claim, they'll give you a Claim Registration Number. Keep this Tata AIG bike insurance claim number for conducting all communications about your claim.
6You Can Track the Status of Your Claim
You can check the Tata AIG bike insurance claim status at any time.
7Claim Verification and Settlement
They'll review your claim and documents to ensure they meet the policy guidelines. If everything checks out, they’ll settle your claim quickly.
Documents Required During Claim Settlement
To file your two-wheeler insurance claim, you need to have these documents for a smooth process:
- Duly signed claim form
- A valid copy of your bike’s Registration Certificate (RC)
- A valid copy of your driving licence (DL)
- Active bike insurance policy
- Police FIR (for accidents, theft, and third-party liabilities)
- Original repair bill and payment receipts
- Proof of release.
Common Reasons for Tata AIG Bike Insurance Claim Rejection
Tata AIG may reject your claims under the following conditions:
- Intoxication while driving.
- Acts of negligence.
- Driving without a valid licence.
- Misrepresenting facts.
- Filing fraudulent claims.
- Claiming incorrect coverage amounts.
- Vehicle malfunction due to improper maintenance.
- Incomplete details were provided for the claim.
- Delayed notification to the insurer after an accident.
What is No Claim Bonus (NCB) in Bike Insurance?
No Claim Bonus is the premium discount that the insurance companies provide to their policyholders for driving safely and without filing any claim during the previous policy year. While renewing a comprehensive two-wheeler insurance policy, this discount would be provided on the vehicle's insurance premium for that particular policyholder. The discount ranges from 20% to 50%.
The customer needs to get the two-wheeler insurance renewed on a continuous basis to retain this No Claim Bonus. In case NCB is not applied for in time, it will lapse. For this, the insurance companies give a grace period of 90 days from the date of expiry to avoid such losses. However, beyond this date, if the policy is not renewed, then it gets cancelled along with the accumulated NCB. The NCB has other benefits also- it is transferable in nature. In case you wish to shift to some other two-wheeler insurance provider or sell your bike to buy another one, the NCB is not lost.
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