Accidents can be stressful, especially if your brand-new bike is involved. Questions about insurance coverage may arise, mainly when dealing with a temporary vehicle registration number. This guide sheds light on filing a bike insurance claim with a temporary number.
Ensure Adequate Bike Insurance Coverage
Before taking your new bike out, ensure a bike insurance policy covers it. The Motor Vehicle Act 1988 mandates third-party insurance for all motorised vehicles on public roads. While third-party bike insurance is a legal requirement, comprehensive bike insurance is advisable for broader coverage, including damages to your bike. Claims are subject to terms and conditions set forth under the motor insurance policy. *
Temporary Vehicle Registration Number And Its Significance
Upon purchase, a new vehicle receives a unique identification number displayed on the registration plate or number plate, also known as the license number. The dealer may issue temporary registration, but the permanent registration number is granted by the Regional Transport Office (RTO), a requirement for commercial and private vehicles.
Significance Of A Temporary Vehicle Registration Number
When obtaining a permanent registration immediately is not feasible, a dealer issues a temporary number, allowing you to ride your bike legally. This temporary registration is crucial, as driving without any registration can lead to legal troubles.
Process Of Obtaining A Permanent Registration Number
During the 30-day window, when the temporary number is valid, applying for a permanent number from the RTO is essential. Once your bike is permanently registered, promptly inform your insurance company to update your policy.
Filing Bike Insurance Claims With A Temporary Registration Number
Fulfilling a bike insurance claim with a temporary registration number is possible. However, comprehensive bike insurance is necessary for coverage. Third-party bike insurance does not provide the required protection for damages to your bike. Claims are subject to terms and conditions set forth under the motor insurance policy. *
Steps To File An Insurance Claim With A Temporary Number
- Notification To Insurer: Swiftly notify your insurer about the accident. Use channels such as mobile apps, websites, or customer service helplines to register your claim.
- Seek Medical Attention And Network Garage Services: In serious accidents, seek medical attention. If it is drivable, take your bike to the nearest network garage. Towing services or non-network garages are alternatives, but expenses may need to be paid upfront.
- Survey And Repairs: A surveyor from the insurance company will assess the damage at the network garage. Once the claim is approved, repairs commence.
Impact Of Garage Type On Claim Process:
- Network Garage: Offers the advantage of a cashless claim, where the insurance company directly pays the network garage.
- Non-Network Garage: Incur upfront costs and apply for reimbursement by completing the claim form and submitting invoices and receipts post-repair. Covered costs are reimbursed, while uncovered costs are the owner’s responsibility.
Timely communication with the insurance company for temporary or permanent registration ensures smooth claims processing. Make sure that you carry out the bike insurance renewal process on time.
To check your bike insurance status, you can visit the official website of your insurance provider or contact their customer service for assistance.
*Standard T&C Apply
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
