There are specific paperwork requirements when purchasing two-wheeler insurance. These might be used to confirm the possession and personal information. When filing insurance for a two-wheeler claim, these essential documents are necessary. The goal is to simplify the process for the person. Other necessary information is the policy number and vehicle engine number. The most important of your documents, however, is your licence and registration. However, there may be instances where you need to make a two-wheeler insurance claim, but you do not have the necessary documents for the same. For example, you may have lost your documents in an accident or theft or cannot find them in time. What do you do then? You do not need to worry, as your bike insurance provider has steps for you to get your insurance for two-wheeler claims, even in such circumstances. Just find your bike insurance policy and follow the instructions you find there.
Bike Insurance Claim Process Without Driving Licence(DL) and Registration Certificate (RC)
A person can buy a bike insurance policy without a driving licence. Raising a claim even when you do not have a licence is also possible. However, raising it without RC may be subject to several restrictions and conditions set forth by the insurer. The thing to remember is that one can purchase a vehicle without a driver’s licence. With antique bikes, it becomes more conceivable because you may not be operating them at all. Your bike licence may be suspended in some circumstances, but you have a fixed date by which you will get it back. You can get bike insurance in these circumstances. We can understand that if you can buy insurance without a driver’s licence, you can also make an insurance claim without a driving licence.
We need to remember that while a DL is easy to manoeuvre around, that is not the case with an RC. If you do not have an RC and need to file a claim, you will have to go through many steps and even then, the last word will lie with your insurance provider. You need to know that it is possible to make a claim without your RC. However, it is not going to be a very easy process. What might help is having a comprehensive insurance policy, but even that is not a guarantee. What is sure to help you is having a Loss of Registration or Driving Licence add-on.
Loss of Registration or Driving Licence Add-on
An add-on is just an extra cover that broadens the extent of coverage for your two-wheeler insurance policy. For example, in exchange for more coverage perks for your two-wheeler, you must pay a higher premium if you purchase a Loss of Drivers Licence or Registration Certificate Add-on. You can purchase this supplementary feature offline or online if the insurer provides the add-on. You may look up the various add-ons on the insurance provider’s website if purchasing a bike insurance policy online.
However, you need to be prepared for the possibility that you cannot find this add-on on your provider’s website. Many providers do not advertise this add-on on their websites. Instead, you can call the customer care service or visit the insurance provider’s office to learn more about this add-on. Chances are that you will be able to get an ample amount of information about the same and get the add-on as part of your policy. This add-on gives you peace of mind knowing that you will be able to make a claim no matter the situation and have a higher chance of getting your claim settled.
You need to remember that if you have third-party bike insurance, you may not be able to avail of a DL and RC loss add-on. However, if you add an own damage cover to your third-party insurance, your chances of getting this add-on increase. Therefore, having a DL and RC loss cover can save you time and money if you need to make a claim without the two.